2026/27 tax year (6 April 2026 to 5 April 2027). Tax code 1257L, no student loan or pension.
Your £23,000 salary broken down
| Gross pay | Income Tax | National Insurance | Take home | |
|---|---|---|---|---|
| A year | £23,000 | £2,086 | £834 | £20,080 |
| A month | £1,916.67 | £173.83 | £69.53 | £1,673.30 |
| A week | £442.31 | £40.12 | £16.05 | £386.15 |
You're a basic-rate taxpayer in England, Wales and Northern Ireland: you pay 20% tax on the £10,430 you earn above the £12,570 tax-free allowance, and 8% National Insurance on the same amount. Altogether you keep 87% of your pay.
With a student loan or pension
| Situation | Take home a month (England, Wales, NI) | Take home a month (Scotland) |
|---|---|---|
| No student loan or pension | £1,673 | £1,677 |
| Plan 2 student loan | £1,673 | £1,677 |
| Plan 5 student loan | £1,673 | £1,677 |
| 5% pension (taken before tax) | £1,597 | £1,600 |
| Plan 2 loan and 5% pension | £1,597 | £1,600 |
In Scotland, a £23,000 salary takes home £40 more a year than in England because of the lower 19% starter rate.
What a pay rise would be worth
A £1,000 pay rise to £24,000 would add £720 a year, or £60 a month, to your take-home pay. You keep about 72p of each extra pound. Work out a different rise.
Open £23,000 in the full calculator to add your own pension, student loan or Scottish tax.
Nearby salaries
Sources: GOV.UK rates and thresholds 2026 to 2027, Scottish Government.