£15,000 after tax in the UK (2026/27)
On a £15,000 salary you take home £14,322 a year: £1,193.49 a month or £275.42 a week. You pay £484.20 income tax and £193.92 National Insurance.
England, Wales and Northern Ireland, tax code 1257L, paid monthly, no student loan or pension. Change anything below.
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Your take-home pay
£1,193.49/ month
£14,322 a year from £15,000 · average rate 4.5% · next £1,000 keeps £720
Breakdown
| Year | Month | 4 weeks | Week | Day | Hour | |
|---|---|---|---|---|---|---|
| Gross pay | £15,000 | £1,250.00 | £1,153.85 | £288.46 | £57.69 | £7.69 |
| Income taxBasic rate 20%: £484.20 | −£484 | −£40.35 | −£37.25 | −£9.31 | −£1.86 | −£0.25 |
| National Insurance8% of pay between £1,048 and £4,189 per month, 2% above | −£194 | −£16.16 | −£14.92 | −£3.73 | −£0.75 | −£0.10 |
| Take-home pay | £14,322 | £1,193.49 | £1,101.68 | £275.42 | £55.08 | £7.34 |
| Employer National Insurance (not from your pay)15% of pay over £417 per period | £1,499 | £124.95 | £115.34 | £28.83 | £5.77 | £0.77 |
Rates checked 19 October 2026 against HMRC for the 2026/27 tax year (6 April 2026 – 5 April 2027). How we calculate · Sources · Accuracy tests · Report an error
Estimate for information only, based on United Kingdom 2026/27 rates. Not tax or financial advice. Your payslip may differ (for example tax code, benefits or other deductions).
Where £15,000 sits in the tax system
All of your taxable income (£2,430) falls in the 20% basic-rate band. You would reach the 40% higher rate at £50,270, £35,270 above this salary.
National Insurance is 8% of your pay above £12,570 a year (worked out monthly against £1,048).
Of the next £1,000 you earn, you keep £720 (a combined marginal rate of 28.0%).
Is £15,000 a good salary?
It depends on where you live and your costs, but here is how it compares with official figures. The median gross annual earnings for full-time employees was £39,039 in April 2025, so £15,000 is £24,039 (62%) below it. Half of full-time employees earn more than the median and half earn less.
Source: ONS Annual Survey of Hours and Earnings 2025 (provisional).
What a pay rise is worth
| Rise | New salary | Extra take-home a year | A month |
|---|---|---|---|
| £1,000 raise | £16,000 | £719.96 | £60.00 |
| 5% raise | £15,750 | £540.00 | £45.00 |
| 10% raise | £16,500 | £1,080.00 | £90.00 |
£15,000 with a student loan, pension or in Scotland
| Situation | Take-home a year | A month | Difference a year |
|---|---|---|---|
| Standard (England) | £14,321.88 | £1,193.49 | – |
| Scotland | £14,346.09 | £1,195.51 | £24.21 |
| Plan 1 student loan | £14,321.88 | £1,193.49 | £0 |
| Plan 2 student loan | £14,321.88 | £1,193.49 | £0 |
| Plan 5 student loan | £14,321.88 | £1,193.49 | £0 |
| Postgraduate Loan | £14,321.88 | £1,193.49 | £0 |
| 5% pension, salary sacrifice | £13,781.88 | £1,148.49 | −£540.00 |
| 5% pension, relief at source | £13,721.88 | £1,143.49 | −£600.00 |
Student loan thresholds for 2026/27: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000, Postgraduate £21,000. Pension figures assume 5% of your whole salary. Student loans explained.
Questions about £15,000
How much is £15,000 a month after tax?
£1,193.49 a month in England, Wales or Northern Ireland in 2026/27, with tax code 1257L, no student loan and no pension contribution. In Scotland it is £1,195.51 a month.
How much tax do you pay on £15,000?
£484.20 income tax and £193.92 National Insurance a year, £678.12 in total. That is 4.5% of your salary.
What is £15,000 a year per hour?
£7.69 an hour before tax and £7.34 after tax, based on 37.5 hours a week for 52 weeks.
£15,000 in other countries
At the ECB reference rate for 16 October 2026, £15,000 is worth $28,745 in Australia, where you would keep $27,790 a year (about £14,502); $35,317 in New Zealand, where you would keep $29,611 a year (about £12,576); €17,776 in Ireland, where you would keep €17,601 a year (about £14,852); $28,326 in Canada, where you would keep $24,230 a year (about £12,831). This compares tax only, not living costs. Compare countries.
Nearby salaries
All UK salaries after tax · UK tax bands 2026/27 · National Insurance