£15,000 after tax: take-home pay 2026/27
On a £15,000 salary in 2026/27, take-home in England, Wales or Northern Ireland is £14,319.60 a year (£1,193.30 a month) with a standard tax code, no pension and no student loan. Figures use HMRC rates and thresholds for employers 2026 to 2027.
- Gross
- £15,000
- Take-home / year
- £14,320 (£14,319.60)
- Take-home / month
- £1,193 (£1,193.30)
- Effective rate
- 4.5%
Assumes 2026/27 · England, Wales & NI · tax code 1257L · no pension · no student loan · 52 weeks. Not Scotland unless you switch below.
£15,000 salary breakdown
| Item | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross pay | £15,000.00 | £1,250.00 | £288.46 |
| Personal allowance | £12,570.00 | £1,047.50 | £241.73 |
| Taxable income | £2,430.00 | £202.50 | £46.73 |
| Income tax | £486.00 | £40.50 | £9.35 |
| National Insurance | £194.40 | £16.20 | £3.74 |
| Take-home pay | £14,319.60 | £1,193.30 | £275.38 |
Tax by band
- Basic rate · 20.0%£486.00
Adjust this £15,000 calculation
Which tax bands does £15,000 hit?
£15,000 sits in the basic-rate band for 2026/27. After the £12,570 personal allowance, £2,430 is taxed at 20%, giving income tax of £486.00. Employee National Insurance adds another 8% on earnings between £12,570 and £50,270, which works out at £194.40 here.
You are well below the higher-rate threshold of £50,270 (England, Wales and Northern Ireland), so every extra £1 you earn keeps 72p after the 20% income tax and 8% employee NI. That combined 28% marginal rate is what to think about when weighing a pay rise at this level.
£0 – £37,700 of taxable income · £2,430.00 taxed
Student loan and pension on £15,000
| Scenario | Tax | NI | Loan | Pension | Monthly | Take-home |
|---|---|---|---|---|---|---|
| Headline (Rest of UK, no pension, no loan)The SERP number | £486.00 | £194.40 | £0.00 | £0.00 | £1,193.30 | £14,319.60 |
| Scotland, no pension, no loanScottish income tax bands | £461.70 | £194.40 | £0.00 | £0.00 | £1,195.33 | £14,343.90 |
| Rest of UK + Plan 29% above £29,385 | £486.00 | £194.40 | £0.00 | £0.00 | £1,193.30 | £14,319.60 |
| Rest of UK + Plan 59% above £25,000 | £486.00 | £194.40 | £0.00 | £0.00 | £1,193.30 | £14,319.60 |
| Rest of UK + Plan 2 + PostgraduatePGL at 6% above £21,000 | £486.00 | £194.40 | £0.00 | £0.00 | £1,193.30 | £14,319.60 |
| Rest of UK + 5% salary sacrificeReduces tax, NI and loan bases | £336.00 | £134.40 | £0.00 | £750.00 | £1,148.30 | £13,779.60 |
| Rest of UK + 5% net-pay (qualifying earnings)AE-style: LEL–UEL band | £403.08 | £194.40 | £0.00 | £414.60 | £1,165.66 | £13,987.92 |
£15,000 in Scotland
The same £15,000 salary in Scotland for 2026/27 takes home £14,343.90 a year — £24.30 more than in England, Wales or Northern Ireland — because Scottish income tax bands differ above the personal allowance. National Insurance is the same across the UK. At this level the gap is small; it widens sharply once pay crosses the Scottish higher-rate threshold (£43,663).
What does £1,193.30 a month cover?
A monthly take-home of £1,193.30 typically goes mostly on housing outside London: a room in a shared house or a modest one-bed in many towns. In London, the same budget usually means flat-sharing well away from the centre.
On a £15,000 gross salary, lenders commonly look at around 4.5× gross for a mortgage — about £67,500 — though affordability checks and deposit requirements vary widely and this is not advice.
Transport and essentials take a big share of the rest, so a small savings buffer is usually the stretch goal at this level.
Mortgage illustration uses 4.5× gross (£67,500) — lender affordability rules vary; not advice.
Compare nearby salaries
£15,000 after tax — FAQs
How much is £15,000 after tax?
In 2026/27, a £15,000 salary in England, Wales or Northern Ireland takes home £14,319.60 a year (£1,193.30 a month) after income tax of £486.00 and employee National Insurance of £194.40, assuming no pension and no student loan. These are the headline figures shown on this page.
What is £15,000 take-home pay per month?
Monthly take-home on £15,000 for 2026/27 is £1,193.30 (£14,319.60 a year). That is before pension contributions and student loan repayments — use the calculator above to add either.
Is £15,000 a good salary?
£15,000 is a reasonable income in the UK for 2026/27, taking home £1,193.30 a month. Whether it is "good" depends on location and household size — £20,000 would take home more per month, but the gap narrows at higher bands because of the marginal tax rates shown on this page.
How does a Plan 5 student loan affect £15,000 take-home?
With a Plan 5 student loan, £15,000 take-home for 2026/27 falls to £14,319.60 a year (£1,193.30 a month) — a deduction of £0.00. Plan 5 repayments are 9% of income above £25,000 and started from April 2026.
How this figure is calculated
- Gross
- £15,000
- Personal allowance
- £12,570.00
- Taxable income
- £2,430.00
- Income tax
- £486.00
- Employee NI
- £194.40
- Take-home
- £14,319.60
£15,000 uses the 2026/27 personal allowance (£12,570), the basic rate band (£37,700 of taxable income at 20%) and employee National Insurance (8% between £12,570 and £50,270, 2% above) for England, Wales and Northern Ireland. Scotland uses the six Scottish income tax bands. Monthly take-home is the annual figure divided by 12; weekly uses the 52-week year. Full sources and rounding rules: methodology.
Last updated: 2026-04-06 · Source: GOV.UK rates and thresholds (2026 to 2027)