What salary gives you £15,000 take-home a year?
To take home about £15,000 a year in England after income tax and National Insurance (no student loan, no pension, 2026-27), you need a gross salary of £15,945.
Required gross salary
£15,945
a year
bottom 10%
Required gross (monthly)
£1,329
≈ annual ÷ 12
Take-home delivered
£15,000
a year, after tax and NI
You keep
94.1%
of the gross figure
| Gross salary needed | £15,945 |
| Income tax | −£675 |
| National Insurance | −£270 |
| Take-home pay | £15,000 |
Effective income tax rate 4.2%. A gross salary of £15,945 sits near the bottom 10% of UK full-time earners (ONS ASHE 2025).