£15,000 after tax Scotland (2026/27)
How to read this table: each column is one pay period. Red numbers are taken out of your pay. The last row is what you actually get.
| Item | Year | Month | Week | Day | Hour |
|---|---|---|---|---|---|
| Gross pay | £15,000.00 | £1,250.00 | £288.46 | £57.69 | £7.69 |
| Income Tax | -£461.70 | -£38.48 | -£8.88 | -£1.78 | -£0.24 |
| National Insurance | -£194.40 | -£16.20 | -£3.74 | -£0.75 | -£0.10 |
| Take-home pay | £14,343.90 | £1,195.33 | £275.84 | £55.17 | £7.36 |
Hourly figures assume 37.5 hours a week. Before tax, £15,000 is £7.69 an hour.
How your £15,000 take-home pay is worked out
- Personal Allowance (tax-free pay): £12,570.
- Pay that is taxed: £15,000 − £12,570 = £2,430.
- Starter rate: £2,430 × 19% = £461.70.
- National Insurance: £2,430 × 8% = £194.40.
- Take-home: £15,000 − £461.70 − £194.40 = £14,343.90.
Your top Scottish tax band is the starter rate (19%). Only the part of your pay inside that band is taxed at 19%.
Pay rise tip: from every extra £100 you earn at this level, you keep about £73.
What a pay rise is worth on £15,000
| Pay rise | New salary | Extra take-home a month | You keep |
|---|---|---|---|
| +£1,000 | £16,000 | +£60.83 | 73% |
| +£2,000 | £17,000 | +£121.28 | 73% |
| +5% | £15,750 | +£45.63 | 73% |
| +10% | £16,500 | +£91.25 | 73% |
£15,000 after tax: Scotland vs England
Scotland sets its own Income Tax rates, with six bands. On £15,000 you take home £14,343.90 in Scotland, which is £24.30 a year more than England, Wales and NI (£14,319.60). National Insurance is the same everywhere. See £15,000 after tax in England, Wales and NI.
£15,000 with a student loan
Student loan repayments come out of your pay with your tax. Find your plan below:
| Plan | Paid a year | Paid a month | Take-home a month |
|---|---|---|---|
| Plan 4 (Scotland) | £0.00 | £0.00 | £1,195.33 |
| Plan 1 | £0.00 | £0.00 | £1,195.33 |
| Plan 2 | £0.00 | £0.00 | £1,195.33 |
| Plan 5 | £0.00 | £0.00 | £1,195.33 |
| Postgraduate Loan | £0.00 | £0.00 | £1,195.33 |
£15,000 with a pension
Pension payments come out before tax, so your take-home pay drops by less than the amount you put in. Figures are for salary sacrifice.
| You pay in | Into pension a year | Cost to take-home a year | Take-home a month |
|---|---|---|---|
| 3% | £450.00 | £328.50 | £1,167.95 |
| 5% | £750.00 | £547.50 | £1,149.70 |
| 8% | £1,200.00 | £876.00 | £1,122.33 |
| 10% | £1,500.00 | £1,095.00 | £1,104.08 |
Salaries close to £15,000
| Salary | Take-home a year | A month | Difference a month |
|---|---|---|---|
| £15,000 | £14,344 | £1,195 | – |
| £16,000 | £15,074 | £1,256 | +£61 |
| £17,000 | £15,799 | £1,317 | +£121 |
| £18,000 | £16,519 | £1,377 | +£181 |
| £19,000 | £17,239 | £1,437 | +£241 |
Add your own pension or student loan
Frequently asked questions
How much is £15,000 a month after tax in Scotland?
How much is £15,000 a week after tax?
What tax band is £15,000 in in Scotland?
Is £15,000 after tax different in England, Wales and NI?
If I get a pay rise from £15,000, how much do I keep?
Where our numbers come from
- GOV.UK – Income Tax rates and allowances
- GOV.UK – Rates and thresholds for employers 2026 to 2027
- GOV.UK – National Minimum Wage and National Living Wage rates
Rates checked against official sources on 2026-09-28. Contains public sector information licensed under the Open Government Licence v3.0.