£15,000 after tax
In 2026/27, a £15,000 salary with the standard tax code in England, Wales or Northern Ireland leaves £14,320 a year after income tax and National Insurance, £1,193 a month, £275 a week, or £7.34 an hour at 37.5 hours a week.
£15,000 sits in the basic-rate band. The first £12,570 is tax-free; the remaining £2,430 is taxed at 20%, and you pay 8% National Insurance on earnings above £12,570. Together they take 4.5% of the salary, and every extra £1 you earn up to £50,270 is deducted at 28%.
Take-home · 2026/27
£14,320
- Monthly
- £1,193
- Weekly
- £275
- Daily
- £55
- Hourly
- £7.34
Watch it explained
About a minute, with sound. The same numbers as this page, worked through step by step.
The deductions
| Year | Month | |
|---|---|---|
| Gross pay | £15,000 | £1,250 |
| Income tax | −£486 | −£41 |
| National Insurance | −£194 | −£16 |
| Take-home pay | £14,320 | £1,193 |
4.5%
effective deduction rate
28%
marginal rate
How the income tax is worked out
| Personal allowance | £12,570 tax-free |
|---|---|
| Basic rate · 20% of £2,430 | £486.00 |
| Total income tax | £486.00 |
National Insurance: 8% of pay between £12,570 and £50,270, 2% above. Your employer also pays £1,500 in employer’s NI that never appears on your payslip.
How £15,000 compares across the UK
The UK median full-time salary is £39,039 (ONS Annual Survey of Hours and Earnings, 2025 provisional), so £15,000 sits £24,039 below the middle of the national pay distribution. It is at or above the local full-time median in 0 of 348 reported local authorities.
| Where | Median full-time salary | £15,000 vs the median |
|---|---|---|
| United Kingdom | £39,039 | £24,039 below |
| London | £46,414 | £31,414 below |
| South East | £41,618 | £26,618 below |
| East of England | £40,863 | £25,863 below |
| South West | £37,543 | £22,543 below |
| West Midlands Region | £37,048 | £22,048 below |
| East Midlands | £36,194 | £21,194 below |
| Yorkshire and The Humber | £35,990 | £20,990 below |
| North West | £37,445 | £22,445 below |
| North East | £34,833 | £19,833 below |
| Scotland | £39,905 | £24,905 below |
| Wales | £36,354 | £21,354 below |
| Northern Ireland | £37,129 | £22,129 below |
Medians are gross pay for full-time employees by place of residence. Comparing gross to gross; your take-home from £15,000 is £14,320.
Where £15,000 sits among all UK taxpayers
On £15,000 you are earning more than 8% of UK taxpayers.
With a student loan
Student-loan repayments come off through payroll on income above your plan’s threshold, at £15,000 you are below every plan's threshold, so nothing is repaid.
| Plan | Repaid / year | Take-home / year | Take-home / month |
|---|---|---|---|
| Plan 1 | £0 | £14,320 | £1,193 |
| Plan 2 | £0 | £14,320 | £1,193 |
| Plan 4 (Scotland) | £0 | £14,320 | £1,193 |
| Plan 5 | £0 | £14,320 | £1,193 |
| Postgraduate Loan | £0 | £14,320 | £1,193 |
With a pension
Contributing through a workplace (net-pay) scheme reduces your taxable pay:
| You contribute | Into pension | Take-home |
|---|---|---|
| 3% | £450 | £13,960 |
| 5% | £750 | £13,720 |
| 8% | £1,200 | £13,360 |
In Scotland
Scotland sets its own income-tax bands; National Insurance stays UK-wide.
£14,344
take-home in Scotland , £24 more than in England.
Income tax: £461.70 across 1 Scottish bands.
£15,000 after tax, common questions
Is £15,000 above the UK median salary?
The UK median full-time salary is £39,039 (ONS ASHE, 2025 provisional), so £15,000 is £24,039 below it. It is at or above the local full-time median in 0 of 348 reported UK local authorities.
How much is £15,000 a month after tax?
£1,193 a month in 2026/27, after income tax and National Insurance, with the standard tax code in England, Wales or Northern Ireland. That is £275 a week.
How much tax do you pay on £15,000?
£486.00 income tax and £194.40 National Insurance a year, £680 in total, which is 4.5% of the salary.
What is £15,000 after tax with a Plan 2 student loan?
£14,320 a year (£1,193 a month), repaying £0 a year on the loan.
Is £15,000 different after tax in Scotland?
Yes. In Scotland take-home is £14,344, £24 more than in England, because Scotland sets its own income-tax bands (National Insurance is UK-wide).
Nearby salaries
Estimates for the 2026/27 tax year with the standard tax code, one employment, category A National Insurance. Not tax, financial or legal advice, rates verified against GOV.UK sources.