£15,000 After Tax (2026/27)

A £15,000 salary is £1,250.00 a month before deductions. After income tax of £40.50 and National Insurance of £16.20 a month in 2026/27, £1,193.30 a month is left, with no pension or student loan taken. A pension of 5% of qualifying earnings (£6,240 to £50,270), relief at source, on £15,000 brings the monthly figure to £1,164.10, and in Scotland, with no pension, the same pay leaves £1,195.33 a month.

On £15,000 in 2026/27 the income tax is £486.00 a year, or £40.50 a month. The first £12,570 is covered by the personal allowance, and the remaining £2,430 is taxed at 20%. National Insurance adds £194.40, so tax and National Insurance on £15,000 come to £680.40, an effective rate of 4.54%.

Over 52 weeks of 37.5 hours, a £15,000 salary works out at £7.69 an hour before tax. After income tax and National Insurance for 2026/27, £7.34 an hour is left, or £55.08 for each of 5 working days a week. A week's pay on £15,000 is £288.46 before deductions and £275.38 after them.

With the Scottish income tax bands for 2026/27, a £15,000 salary leaves £14,343.90 a year, or £1,195.33 a month, after £461.70 of income tax. The top slice of £15,000 falls in the Scottish starter rate band at 19%. National Insurance of £194.40 is the same across the UK, because Scotland sets its own income tax but not National Insurance. That is £24.30 more than in England, Wales or Northern Ireland, where £15,000 leaves £14,319.60.

Outside Scotland nothing changes: on £15,000 the take home is £14,319.60 in both 2025/26 and 2026/27, because the personal allowance, the tax bands and the National Insurance thresholds for England, Wales and Northern Ireland are the same in both years. In Scotland the take home on £15,000 is also unchanged, at £14,343.90, because its taxable income of £2,430.00 sits inside the starter rate band under both years' rates.