£23,000 after tax UK (2026/27)

On a £23,000 salary in the UK you take home £20,079.60 a year. That is £1,673.30 a month in 2026/27. You pay £2,086.00 Income Tax and £834.40 National Insurance (England, Wales and Northern Ireland, no pension or student loan).

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.

£23,000 salary in the UK, 2026/27
ItemYearMonthWeekDayHour
Gross pay£23,000.00£1,916.67£442.31£88.46£11.79
Income Tax-£2,086.00-£173.83-£40.12-£8.02-£1.07
National Insurance-£834.40-£69.53-£16.05-£3.21-£0.43
Take-home pay£20,079.60£1,673.30£386.15£77.23£10.30

Hourly figures assume 37.5 hours a week. Before tax, £23,000 is £11.79 an hour.

How your £23,000 take-home pay is worked out

  1. Personal Allowance (tax-free pay): £12,570.
  2. Pay that is taxed: £23,000 − £12,570 = £10,430.
  3. Basic rate: £10,430 × 20% = £2,086.00.
  4. National Insurance: £10,430 × 8% = £834.40.
  5. Take-home: £23,000 − £2,086.00 − £834.40 = £20,079.60.

All of your taxable income falls in the 20% basic rate band.

Pay rise tip: from every extra £100 you earn at this level, you keep about £72.

What a pay rise is worth on £23,000

Pay riseNew salaryExtra take-home a monthYou keep
+£1,000£24,000+£60.0072%
+£2,000£25,000+£120.0072%
+5%£24,150+£69.0072%
+10%£25,300+£138.0072%

£23,000 after tax: England vs Scotland

Scotland has its own six Income Tax bands. On £23,000 you take home £20,079.60 in England, Wales or NI, which is £39.67 a year less than Scotland (£20,119.27). National Insurance is the same everywhere. See £23,000 after tax in Scotland.

£23,000 with a student loan

Student loan repayments come out of your pay with your tax. Find your plan below:

PlanPaid a yearPaid a monthTake-home a month
Plan 2£0.00£0.00£1,673.30
Plan 5£0.00£0.00£1,673.30
Plan 1£0.00£0.00£1,673.30
Plan 4 (Scotland)£0.00£0.00£1,673.30
Postgraduate Loan£120.00£10.00£1,663.30

£23,000 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 inInto pension a yearCost to take-home a yearTake-home a month
3%£690.00£496.80£1,631.90
5%£1,150.00£828.00£1,604.30
8%£1,840.00£1,324.80£1,562.90
10%£2,300.00£1,656.00£1,535.30

Salaries close to £23,000

SalaryTake-home a yearA monthDifference a month
£19,000£17,200£1,433−£240
£20,000£17,920£1,493−£180
£21,000£18,640£1,553−£120
£22,000£19,360£1,613−£60
£23,000£20,080£1,673–
£24,000£20,800£1,733+£60
£25,000£21,520£1,793+£120
£26,000£22,240£1,853+£180
£27,000£22,960£1,913+£240

Add your own pension or student loan

Frequently asked questions

How much is £23,000 a month after tax in the UK?
£1,673.30 a month in 2026/27, with no student loan or pension and a standard tax code. Before tax, £23,000 is £1,916.67 a month.
How much is £23,000 a week after tax?
£386.15 a week, or £77.23 a day for a five-day week.
What tax band is £23,000 in?
The highest band you reach is the basic rate (England, Wales and NI). In total, Income Tax and NI take 12.7% of your pay.
Is £23,000 after tax different in Scotland?
Scotland has its own Income Tax rates. Here you take home £20,079.60 a year, which is £39.67 a year less than Scotland (£20,119.27).
If I get a pay rise from £23,000, how much do I keep?
About £72 of every extra £100, after Income Tax and National Insurance.

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.