TAKE-HOME PAY · 2026/27
£15,000 after tax
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, in England, Wales or Northern Ireland. In Scotland it's £14,343.90 a year, £24.30 more. That's before any pension or student loan, which are below.
- £1,193.30 a month
- £275.38 a week
- 2026/27 rates
England, Wales or Northern Ireland
Of a £100 pay rise, you'd keep £72.
| Item | Year | Month | Week |
|---|---|---|---|
| Pay | £15,000 | £1,250 | £288.46 |
| Income tax | −£486 | −£40.50 | −£9.35 |
| National Insurance | −£194.40 | −£16.20 | −£3.74 |
| Take-home | £14,319.60 | £1,193.30 | £275.38 |
- Pay: £15,000 a year
- The Personal Allowance gives £12,570 tax-free
- Taxable pay: £15,000 − £12,570 = £2,430
- Basic rate: 20% of £2,430 = £486
- National Insurance: 8% of £2,430, your pay between £12,570 and £50,270 = £194.40
- Take-home: £15,000 − £486 tax − £194.40 National Insurance = £14,319.60
Scotland
Of a £100 pay rise, you'd keep £73.
| Item | Year | Month | Week |
|---|---|---|---|
| Pay | £15,000 | £1,250 | £288.46 |
| Income tax | −£461.70 | −£38.48 | −£8.88 |
| National Insurance | −£194.40 | −£16.20 | −£3.74 |
| Take-home | £14,343.90 | £1,195.33 | £275.84 |
- Pay: £15,000 a year
- The Personal Allowance gives £12,570 tax-free
- Taxable pay: £15,000 − £12,570 = £2,430
- Starter rate: 19% of £2,430 = £461.70
- National Insurance: 8% of £2,430, your pay between £12,570 and £50,270 = £194.40
- Take-home: £15,000 − £461.70 tax − £194.40 National Insurance = £14,343.90
With a student loan
England, Wales or Northern Ireland tax; each plan on its own.
| Plan | Repaid a month | Take-home a month |
|---|---|---|
| Plan 1England or Wales before September 2012, and Northern Ireland | £0 | £1,193.30 |
| Plan 2England from September 2012 to July 2023, and Wales from September 2012 | £0 | £1,193.30 |
| Plan 4Scotland | £0 | £1,193.30 |
| Plan 5England from August 2023 | £0 | £1,193.30 |
| Postgraduate Loanmaster's or doctoral loans in England or Wales | £0 | £1,193.30 |
With a workplace pension
5% of the pay between £6,240 and £50,270, the auto-enrolment minimum, by how it's taken.
| Taken by | Into your pension a month | Take-home a month |
|---|---|---|
| Net pay | £36.50 | £1,164.10 |
| Relief at source | £36.50 | £1,164.10 |
| Salary sacrifice | £36.50 | £1,167.02 |
Nearby salaries
Questions
How much a month is £15,000 after tax?
£1,193.30 in England, Wales or Northern Ireland, and £1,195.33 in Scotland, in 2026/27, with no pension or student loan.
How much a week is £15,000 after tax?
£275.38 in England, Wales or Northern Ireland, and £275.84 in Scotland.
What's £15,000 a year as an hourly rate?
£7.69 an hour before tax, on 37.5 hours a week for 52 weeks.
How much tax do I pay on £15,000?
£486 income tax and £194.40 National Insurance in England, Wales or Northern Ireland; £461.70 income tax in Scotland, where National Insurance is the same.
Sources
- HMRC: Income Tax rates and allowances · checked 19 Oct 2026
- GOV.UK: Scottish Income Tax rates 2026 to 2027 · checked 19 Oct 2026
- HMRC: Rates and thresholds for employers 2026 to 2027 · checked 19 Oct 2026
- GOV.UK: Repaying your student loan, what you pay · checked 19 Oct 2026
- GOV.UK: Tax on your private pension, tax relief · checked 19 Oct 2026
- Finance Act 2004, section 192 (relief at source) · checked 19 Oct 2026
- The Pensions Regulator: earnings thresholds · checked 19 Oct 2026
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