S
SalarySorted

Your details

£/hr

= £31,200 per year

40h
1h40h standard80h
0%
0%30%

The standard code for most UK employees. You receive the full £12,570 personal allowance tax-free.

Your breakdown

Annual gross

£31,200

Annual take-home

£25,984

Monthly take-home

£2,165

Weekly take-home

£500

Effective rate16.7%
Marginal rate28%
Tax bandBasic rate
Take-homeIncome TaxNI

Based on your inputs. Actual pay may vary depending on your holiday entitlement, contract terms and employer. For guidance only.

Gross salary
£31,200
Income TaxBasic rate
-£3,726
National Insurance
-£1,490
Take-home pay
£25,984

In plain English

At £15.00 per hour for 40 hours over 52 weeks, your gross annual salary is £31,200 in England and Wales. You are in the Basic rate band, paying £3,726 in income tax and £1,490 in National Insurance. Your take-home is £25,984 per year — £2,165 per month or £500 per week. Your effective deduction rate is 16.7%. An extra £1 per hour (£2,080 more per year) would add approximately £582 to your take-home.

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What if...

£15 an hour after tax -- 2026/27 breakdown

Hourly rate

£15

Annual take-home

£25,984

Monthly take-home

£2,165

Weekly take-home

£500

Deductions at a glance

Gross annual£31,200
Income Tax (20%)-£3,726
National Insurance (8%)-£1,490
Take-home pay£25,984

£15 an hour is above the National Living Wage of £12.71 and sits in the range typical for roles such as retail supervisors, call centre agents, administrative assistants and entry-level trades. It equates to a gross annual salary of £31,200, which is below the UK median full-time wage of around £35,000.

Working 40 hours a week for 52 weeks a year at £15 an hour, your take-home pay after income tax and National Insurance is £25,984 per year -- that is £2,165 per month or £500 per week. All taxable income falls within the basic rate band, so every pound of taxable earnings above your personal allowance is taxed at 20%. Based on 40 hours per week, 52 weeks per year. Use our hourly pay calculator to adjust for your hours.

Even at this hourly rate, auto-enrolment pension contributions are worth taking seriously. If your employer offers salary sacrifice, contributions come out before tax and National Insurance are calculated, so the real cost to your take-home is lower than the headline figure suggests. Starting early and increasing contributions whenever you receive a pay rise can make a significant difference over a working lifetime.

Frequently asked questions

How much is £15 an hour after tax per month?

At £15 an hour working 40 hours a week and 52 weeks a year, your monthly take-home pay in 2026/27 is £2,165. Your annual take-home is £25,984 and your weekly take-home is £500. These figures are for England and Wales using the standard 1257L tax code with no pension contributions or student loan.

How much income tax do I pay on £15 an hour?

On a gross annual salary of £31,200 (£15 for 40 hours over 52 weeks), you pay no income tax on the first £12,570 (your personal allowance). The remaining £18,630 is taxed at the basic rate of 20%, giving an income tax bill of £3,726 per year.

How much National Insurance do I pay on £15 an hour?

National Insurance is charged at 8% on earnings between £12,570 and £50,270. On a gross annual salary of £31,200, you pay 8% of £18,630, coming to £1,490 per year. There are no NI contributions on income below £12,570.

How does £15 an hour compare to the minimum wage?

The National Living Wage from April 2026 is £12.71 per hour for workers aged 21 and over. At £15 an hour you are £2.29 above the NLW. The National Minimum Wage for 18 to 20-year-olds is £10.00 per hour. On an annual basis, £15 equates to £31,200 before tax.

How can pension contributions affect my take-home on £15 an hour?

Salary sacrifice pension contributions reduce your gross income before income tax and National Insurance are applied. At £15 an hour, each pound contributed to your pension saves you approximately 28p (20p income tax plus 8p National Insurance) compared with taking it as pay. A 5% contribution on £31,200 would cost you £1,560 gross but considerably less in actual take-home pay. Use the calculator above to model the impact.