What is the take-home pay for a £15,000 salary in the UK?

A £15,000 salary in England/Wales/NI results in take-home pay of £14,320 per year (£1,193 per month) after income tax of £486 and National Insurance of £194.

How much income tax do I pay on a £15,000 salary?

On a £15,000 salary in England for 2025/26, you pay £486 in income tax. Your effective tax rate (including NI) is 4.5% and your marginal rate is 28%.

What is the £15,000 take-home pay in Scotland?

In Scotland, a £15,000 salary gives take-home pay of £14,343 per year (£1,195 per month). Scotland has different income tax bands from the rest of the UK, including a 42% higher rate from £43,663.

CalcHive

£15,000 Salary After Tax UK

Calculate take-home pay for a £15,000 salary in the UK for 2025/26. Includes income tax, National Insurance, and Scottish rates.

Annual Gross Salary (£)

Pension Contribution (%)

Tax Region

Student Loan

Take-Home Pay (Annual)

£13,780

Gross Salary£15,000

Income Tax

-£3362.2%

National Insurance

-£1340.9%

Pension Contribution

-£7505.0%

Take-Home Pay£13,780

3.1%

Effective Tax Rate
(tax + NI)

28%

Marginal Tax Rate
(tax + NI)

£12,570.00

Personal Allowance

£1,680

Taxable Income

Tax Band Breakdown

Personal Allowance0%

£0.00

Basic Rate20%

£336.00

Higher Rate40%

£0.00

Additional Rate45%

£0.00

Based on 2025/26 tax year rates. Personal Allowance: £12,570. Scottish rates applied where selected. This is an estimate only and does not constitute financial advice.

How to Use £15,000 Salary After Tax UK

The calculator is pre-filled with £15,000. Adjust if needed.
Select Scotland if you are a Scottish taxpayer.
Add pension contributions or student loan if applicable.
See your exact take-home pay instantly.

£15,000 Salary After Tax - Summary

Item	England/Wales/NI	Scotland
Gross Salary	£15,000	£15,000
Income Tax	-£486	-£463
National Insurance	-£194	-£194
Take-Home (Annual)	£14,320	£14,343
Take-Home (Monthly)	£1,193	£1,195
Take-Home (Weekly)	£275	£276
Effective Tax Rate	4.5%	4.4%

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