How much take-home pay do you get on a £15k salary?

On a £15k (£15,000) salary in England for 2025/26, your take-home pay is approximately £13,780 per year (£1,148/month). This is after income tax (£336), employee National Insurance (£134), and a 5% salary sacrifice pension contribution (£750).

What is the effective tax rate on £15k?

The effective (average) tax rate on a £15k salary is approximately 3.1%, including income tax and National Insurance. The marginal rate is 28%.

How much income tax do you pay on £15k?

For 2025/26 in England, a £15k salary attracts income tax of approximately £336. The first £12,570 is tax-free, income up to £50,270 is taxed at 20%, and income above that is taxed at 40%.

How much do you take home per month on £15k?

On a £15,000 salary in England for 2025/26, your monthly take-home pay is approximately £1,148. This assumes a 5% salary sacrifice pension and no student loan repayments.

What is £15k salary after tax in Scotland?

On a £15,000 salary, Scottish taxpayers take home £13,796 per year in 2025/26 — that's £17 more than in England (£13,780).

How much does it cost an employer to pay a £15k salary?

The total cost of a £15,000 employee to an employer in 2025/26 is approximately £16,950 per year, including employer NI of £1,500 and employer pension of £450.

What is the marginal tax rate on £15k?

At £15,000, your marginal rate is 28% (income tax + National Insurance).

How much take-home pay do you get on a £15k salary?

On a £15k (£15,000) salary in England for 2025/26, your take-home pay is approximately £13,780 per year (£1,148/month). This is after income tax (£336), employee National Insurance (£134), and a 5% salary sacrifice pension contribution (£750).

What is the effective tax rate on £15k?

The effective (average) tax rate on a £15k salary is approximately 3.1%, including income tax and National Insurance. The marginal rate is 28%.

How much income tax do you pay on £15k?

For 2025/26 in England, a £15k salary attracts income tax of approximately £336. The first £12,570 is tax-free, income up to £50,270 is taxed at 20%, and income above that is taxed at 40%.

How much do you take home per month on £15k?

On a £15,000 salary in England for 2025/26, your monthly take-home pay is approximately £1,148. This assumes a 5% salary sacrifice pension and no student loan repayments.

What is £15k salary after tax in Scotland?

On a £15,000 salary, Scottish taxpayers take home £13,796 per year in 2025/26 — that's £17 more than in England (£13,780).

How much does it cost an employer to pay a £15k salary?

The total cost of a £15,000 employee to an employer in 2025/26 is approximately £16,950 per year, including employer NI of £1,500 and employer pension of £450.

What is the marginal tax rate on £15k?

At £15,000, your marginal rate is 28% (income tax + National Insurance).

£15,000 After Tax UK — Take-Home £1,148/mo for 2025/26

Take-home

£13,780

£1,148/mo · £265/wk

Income tax

£336

3.1% effective rate

National Insurance

£134

Employee NI

Pension (5%)

£750

Salary sacrifice

Figures assume England tax rates, 5% salary sacrifice pension, no student loan. Use the calculator below to adjust for your exact situation.

Your annual salary (before tax)

£/yr

top 87% of UK earners · ONS 2024

What if

Work arrangement

Residency

Pension contribution · 5%

Compare tax years

Monthly take-home

£1,148/mo

£13,780/yr · 3.1% effective rate

Marginal rate

28%

Basic rate

UK salary ranking

top 87% of UK earners

Below UK median

−£19,963 (-57%)

£0£35k (Median)£50k£100k£150k+

Percentile

13th

Keep rate

92%

Marginal

28%

Total employer cost

£16,950/yr

Employer NI

£1,500

Employer pension

£450

Daily

£59

÷ 232 working days

Weekly

£297

÷ 46 working weeks

Annual

£13,780

take-home

Take-home over time

With your current salary under each year's HMRC rules (PAYE, England)

Estimates only · HMRC 2025/26 · Not financial advice

Monthly take-home

£1,148/mo

Keep

92%

Frequently asked questions

£15k salary breakdown 2025/26

The following table shows the annual, monthly, and weekly breakdown for a £15,000 salary in England for the 2025/26 tax year, assuming 5% salary sacrifice pension and no student loan.

Take-home pay breakdown for £15k salary 2025/26
	Annual	Monthly	Weekly
Gross salary	£15,000	£1,250	£288
Income tax	−£336	−£28	−£6
National Insurance	−£134	−£11	−£3
Pension (5%)	−£750	−£63	−£14
Take-home pay	£13,780	£1,148	£265

About your £15k take-home pay

On a £15,000 gross salary in England for 2025/26, your take-home pay is £13,780 per year (£1,148/month · £265/week) after income tax of £336, National Insurance of £134, and a 5% salary sacrifice pension contribution of £750. The effective tax rate (income tax + NI as a percentage of gross) is 3.1%.

Your salary falls within the basic rate tax band. The first £12,570 of your salary is tax-free (your personal allowance). Earnings between £12,570 and £50,270 are taxed at 20% (basic rate).

Monthly and weekly take-home on £15k

Your £13,780 annual take-home breaks down to £1,148 per month and £265 per week. These figures assume a 5% salary sacrifice pension and no student loan. Use the calculator above to adjust for your exact circumstances.

Is £15k a good salary in the UK?

A £15,000 salary places you in the top 87% of UK earners according to ONS earnings data, at roughly the 13th percentile. It is below the UK median salary of £34,963 (ONS 2024). Whether it feels comfortable depends heavily on where you live — London living costs are significantly higher than other UK regions.

Scotland vs England: £15k salary comparison

Scottish taxpayers take home £13,796/yr (£1,150/mo) on a £15,000 salary — that is £17 more than in England (£13,780/yr).

Scotland vs England take-home comparison for £15k salary
Region	Annual take-home	Monthly take-home
England	£13,780	£1,148
Scotland	£13,796	£1,150
Difference	+£17	+£1

What does a £15k salary cost an employer?

Gross salary£15,000

Employer NI (15% above £5k)£1,500

Employer pension (3%)£450

Total employer cost£16,950

Related tax calculators

Scotland Tax Calculator Contractor vs PAYE Calculator Bonus Tax Calculator

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Updated for the 2025/26 tax year (6 April 2025 – 5 April 2026) using HMRC rates. Last reviewed April 2026.