2026/27 tax year

£15,000 after tax: your take-home pay in 2026/27

On a £15,000 salary in 2026/27 you take home £14,320 a year, £1,193 a month or £275 a week after tax and National Insurance. That assumes the standard 1257L tax code, no pension and no student loan. Income tax is £486 and National Insurance £194, an effective rate of 4.5%.

Take-home pay · 2026/27

Per month

£1,193.30

Per year

£14,319.60

Per week

£275.38

Gross: £15,000
Income tax: £486
National Insurance: £194
Effective rate: 4.5%

Take-home pay breakdown by period for 2026/27
Item	Yearly	Monthly	Weekly	Daily	Hourly
Gross pay	£15,000.00	£1,250.00	£288.46	£57.69	£7.69
Income tax	−£486.00	−£40.50	−£9.35	−£1.87	−£0.25
National Insurance	−£194.40	−£16.20	−£3.74	−£0.75	−£0.10
Take-home pay	£14,319.60	£1,193.30	£275.38	£55.08	£7.34

Where your gross pay goes

Take-home £14,320(95%)Income tax £486(3%)National Insurance £194(1%)

Effective tax rate: 4.5%
Marginal rate: 28%
Personal allowance: £12,570
Tax code: 1257L

Effective rate is income tax, NI and loan repayments as a share of gross pay. Marginal rate is what you lose from the next £1 earned. Employer NI on this salary is £1,500 a year on top.

Income tax by band
Band	Rate	Taxable	Tax
Basic rate	20%	£2,430	£486.00
Total income tax		£2,430	£486.00

Different pension, tax code or student loan? Adjust £15,000 in the calculator

How does £15,000 compare with the UK median?

A gross salary of £15,000 is £24,039 (62%) below the UK median full-time salary of £39,039. £680 of it goes in deductions, leaving you with 95% of what you earn. Your income sits in the basic rate band, so the top slice of pay is taxed at 20%, and each extra £100 earned above £15,000 would add £72 to your take-home because the marginal rate is 28%.

How much income tax and National Insurance do you pay on £15,000?

The first £12,570 is tax-free personal allowance; income tax applies only to the £2,430 above it. National Insurance is 8% on earnings between £12,570 and £50,270, which comes to £194 a year or £16 a month.

What is £15,000 after tax in Scotland?

A Scottish taxpayer on £15,000 takes home £24 more a year (£14,344), because the Scottish starter rate of 19% applies to the first slice of taxable income.

What does £15,000 look like monthly, weekly and hourly?

Spread across a 37.5 hour week, £15,000 is £7.69 an hour before tax and £7.34 after. Adding a 5% pension contribution would reduce take-home pay by about £600 a year while saving £750 into the pension, and a Plan 2 student loan would take a further £0.

Scenario	Take-home per year	Per month	Effective rate
Standard, rest of UK	£14,320	£1,193	4.5%
Standard, Scotland	£14,344	£1,195	4.4%
With 5% pension (net pay)	£13,720	£1,143	3.5%
With Plan 2 student loan	£14,320	£1,193	4.5%
With 5% pension and Plan 2 loan	£13,720	£1,143	3.5%

Frequently asked questions

How much is £15,000 a month after tax?

£15,000 a year is £1,193 a month after tax and National Insurance in 2026/27, from a gross monthly pay of £1,250. Deductions each month are £41 income tax and £16 NI.

How much is £15,000 a week after tax?

£15,000 a year works out at £275 a week after tax, or £55 a day on a five-day week. Before tax it is £288 a week.

Is £15,000 a good salary in the UK?

£15,000 is £24,039 (62%) below the UK median full-time salary of £39,039. Whether it is good depends on where you live, your housing costs and your household, but it puts you in the bottom half of full-time earners.

What is £15,000 after tax with a pension and student loan?

With a 5% net-pay pension the take-home is £13,720 a year. With a Plan 2 student loan and no pension it is £14,320. With both it is £13,720, or £1,143 a month.

How much tax do you pay on £15,000 in Scotland?

A Scottish taxpayer on £15,000 pays £462 income tax in 2026/27, compared with £486 in the rest of the UK. National Insurance is the same at £194, so take-home pay is £14,344.