£15,000 after tax
A gross salary of £15,000 leaves you with £14,320 a year in 2026/27 — about £1,193 a month. That is £22,430 below the UK median full-time salary of £37,430.
- A month
- £1,193
- A week
- £275
- Effective tax rate
- 4.5%
- Marginal rate
- 28%
Full breakdown
| Year | Month | Week | Day | |
|---|---|---|---|---|
| Gross salary | £15,000 | £1,250 | £288.46 | £57.69 |
| Income Tax | −£486 | −£41 | −£9.35 | −£1.87 |
| National Insurance | −£194 | −£16 | −£3.74 | −£0.75 |
| Take-home pay | £14,320 | £1,193 | £275.38 | £55.08 |
How your Income Tax is worked out
Personal allowance (tax free): £12,570
| Band | Rate | Taxed on | Tax |
|---|---|---|---|
| Basic rate | 20% | £2,430 | £486 |
| Total Income Tax | £486 |
England vs Scotland on £15,000
Income Tax is devolved, so where you live changes the answer. National Insurance is the same across the UK.
| Where you live | Income Tax | National Insurance | Take-home |
|---|---|---|---|
| England, Wales & N. Ireland | £486 | £194 | £14,320 |
| Scotland | £462 | £194 | £14,344 |
A Scottish taxpayer keeps £24 more a year — about £2.02 a month.
£15,000 with a pension or student loan
Most people have at least one of these coming off. Here is what each does to the same salary.
| Scenario | Take-home a year | A month |
|---|---|---|
| No deductions beyond tax and NI | £14,320 | £1,193 |
| With a Plan 2 student loan | £14,320 | £1,193 |
| With a Plan 5 student loan | £14,320 | £1,193 |
| With a 5% salary sacrifice pension | £13,780 | £1,148 |
| With a 5% pension and Plan 2 loan | £13,780 | £1,148 |
Want to model your own combination? Open it in the full calculator →
What £15,000 actually means month to month
On £1,250 a month gross, £41 goes to Income Tax and £16 to National Insurance, leaving £1,193. Spread across a 37.5-hour week that is £7.34 an hour of take-home pay.
Your marginal rate is 28%. That is the figure that matters when you are weighing up overtime, a bonus or a pay rise: of the next £100 you earn, £28 disappears in tax and National Insurance and you keep £72.
Questions about a £15,000 salary
How much is £15,000 a year after tax?
A £15,000 salary leaves £14,320 a year after Income Tax and National Insurance in 2026/27 — about £1,193 a month, or £275 a week. That assumes a standard 1257L tax code and no pension or student loan deductions.
How much tax do I pay on £15,000?
You pay £486 in Income Tax and £194 in National Insurance, a total of £680. That is an effective rate of 4.5% of your gross salary.
What is £15,000 a year per month?
Before tax it is £1,250 a month. After tax and National Insurance you take home £1,193 a month.
What is £15,000 a year per hour?
On a 37.5-hour week it works out at £7.69 an hour gross, or £7.34 an hour after tax and National Insurance.