£15,000 after tax (2026/27)
On a salary of £15,000 you take home £14,319.60 a year – £1,193.30 a month or £275.38 a week – in England, Wales or Northern Ireland, and £1,195.33 a month in Scotland, in the 2026/27 tax year.
England, Wales and Northern Ireland
| Item | Year | Month | Week |
|---|---|---|---|
| Gross pay | £15,000.00 | £1,250.00 | £288.46 |
| Income tax | −£486.00 | −£40.50 | −£9.35 |
| National Insurance | −£194.40 | −£16.20 | −£3.74 |
| Take-home pay | £14,319.60 | £1,193.30 | £275.38 |
Scotland
| Item | Year | Month | Week |
|---|---|---|---|
| Gross pay | £15,000.00 | £1,250.00 | £288.46 |
| Income tax | −£461.70 | −£38.48 | −£8.88 |
| National Insurance | −£194.40 | −£16.20 | −£3.74 |
| Take-home pay | £14,343.90 | £1,195.33 | £275.84 |
Someone living in Scotland on £15,000 takes home £24.30 a year more, thanks to the 19% starter rate. National Insurance is the same across the UK.
What these numbers mean
- Your Personal Allowance is £12,570, so £2,430 of your pay is taxed.
- Income tax and National Insurance together take 4.5% of your salary.
- At this salary all of your taxable pay is in the basic-rate band (20%), and you pay 8% National Insurance on earnings between £12,570 and £50,270.
- A £1,000 pay rise would add about £720.00 a year to your take-home pay (£60.00 a month).
- Paying 5% into a pension by salary sacrifice (£750.00 a year) would lower your take-home pay by only £540.00, because you save tax and National Insurance on it.
- A Plan 2 student loan takes nothing at this salary – it is below the £29,385 threshold.
Use the take-home pay calculator
Estimate only – not financial or tax advice. Tax year 2026/27, standard tax code 1257L, no other income, no pension unless stated. Source: GOV.UK, gov.scot. Figures last checked 13 Nov 2026.