£15,000 after tax and NI: what’s your take-home pay?
In 2025/26, £15,000 leaves £14,319.60 a year — £1,193 a month — in England, Wales or Northern Ireland on the standard tax code. Adjust anything below to match your situation.
Parsed as: 1257L (£12,570 allowance, England & NI)
The £15,000 breakdown, explained
On a £15,000 salary in 2025/26 you take home £14,319.60 a year in England, Wales or Northern Ireland — that's £1,193 a month, after £486.00 of income tax and £194.40 of National Insurance on the standard 1257L code. Everything above your £12,570 personal allowance is taxed at the 20% basic rate, and you're a comfortable £35,270 clear of the £50,270 higher-rate threshold. In Scotland, £15,000 attracts £24.30 less income tax (£461.70 in total), thanks to the 19% starter rate on the first slice above the allowance. All in, 4.5% of a £15,000 salary goes in deductions before it reaches your bank.
£15,000 across the UK
| Where you live | Income tax | National Insurance | Take-home |
|---|---|---|---|
| England & NI | £486.00 | £194.40 | £14,319.60 |
| Scotland | £461.70 | £194.40 | £14,343.90 |
| Wales | £486.00 | £194.40 | £14,319.60 |
Scottish taxpayers save £24.30 income tax on £15,000 than those in England, Wales or Northern Ireland. National Insurance is the same UK-wide.
£15,000 questions, answered
Sources: income tax rates · National Insurance rates · Scottish income tax