£15,000 after tax in 2026/27
On a £15,000 salary you take home £14,319.60 a year, which is £1,193.30 a month or £275.38 a week, after £486 income tax and £194.40 National Insurance.
Take-home a month
£1,193.30
Take-home a year
£14,319.60
A week
£275.38
An hour
£7.34
Full breakdown
| Year | Month | Week | |
|---|---|---|---|
| Gross salary | £15,000 | £1,250 | £288.46 |
| Tax-free personal allowance | £12,570 | ||
| Basic rate (20%) on £2,430 | -£486 | -£40.50 | -£9.35 |
| National Insurance | -£194.40 | -£16.20 | -£3.74 |
| Take-home pay | £14,319.60 | £1,193.30 | £275.38 |
Your effective tax rate is 4.5%, but the rate on your next pound is higher: of the next £100 you earn you'd keep £72. Your employer also pays about £1,500 employer National Insurance on top, so you cost them around £16,500 a year.
How it changes for you
The same £15,000 salary in different situations.
| Situation | Year | Month | vs standard |
|---|---|---|---|
| Standard (England, Wales, NI) | £14,319.60 | £1,193.30 | – |
| Living in Scotland | £14,343.90 | £1,195.33 | +£2.02/mo |
| With 5% pension (salary sacrifice) | £13,779.60 | £1,148.30 | −£45/mo |
| With Plan 2 student loan | £14,319.60 | £1,193.30 | – |
| With Plan 5 student loan | £14,319.60 | £1,193.30 | – |
A pension lowers take-home but the money goes into your pension pot, with tax relief added.
Questions
How much is £15,000 after tax a month?+
£1,193.30 a month, based on 2026/27 rates in England, Wales and Northern Ireland with no pension or student loan. That's £14,319.60 a year or £275.38 a week.
How much tax do I pay on £15,000?+
£486 income tax and £194.40 National Insurance a year, £680.40 in total. That's an effective rate of 4.5% of your salary.
What is £15,000 a year as an hourly rate?+
Working 37.5 hours a week, £15,000 is about £7.69 an hour before tax, or £7.34 an hour after tax.
Is £15,000 after tax different in Scotland?+
Yes. Scotland has its own income tax bands, so on £15,000 you'd take home £14,343.90 a year (£1,195.33 a month), £24.30 more than in the rest of the UK.
Estimates for information only, using 2026/27 rates. Not financial or tax advice; check your own situation with HMRC or a qualified adviser.