£23,000 Salary - UK Take Home Pay
If you earn £23,000 per year in the UK, you will take home £20,080 after tax and National Insurance. That's £1,673.30 per month.
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Your Income
Enter your salary details for 2025/26
Salary sacrifice reduces taxable income
Take Home Pay
£20,079.60/year
87.3% of gross income
- Gross Income£23,000.00
- Taxable Income£10,430.00
- Income Tax-£2,086.00
- National Insurance-£834.40
- Total Deductions-£2,920.40
12.7%
Effective Rate
20%
Marginal Rate
£23,000 Salary Insights
Compare your salary and understand your tax breakdown
£23,000 vs UK Wages
Below UK median
-34%
vs UK Median
£12,000
Below Median
Where Your £23,000 Goes
Annual breakdown of your salary
Tax Benefits on £23,000 from Pension
See how pension contributions reduce your tax bill
Increase your pension contribution to see potential tax savings. Pension contributions reduce your taxable income.
£23,000 Salary Breakdown
| Description | Yearly | Monthly |
|---|---|---|
| Gross Salary | £23,000.00 | £1,916.67 |
| Personal Allowance | £12,570.00 | £1,047.50 |
| Taxable Income | £10,430.00 | £869.17 |
| Income Tax | -£2,086.00 | -£173.83 |
| National Insurance | -£834.40 | -£69.53 |
| Total Deductions | -£2,920.40 | -£243.37 |
| Take Home Pay | £20,079.60 | £1,673.30 |
How is £23,000 Taxed?
On a £23,000 salary, here's how your income is distributed across tax bands:
Understanding Your £23,000 Salary
A £23,000 salary in the UK for the 2025/26 tax year will result in a take-home pay of £20,079.60 per year, or £1,673.30 per month. This calculation includes Income Tax and National Insurance deductions.
Your effective tax rate is 12.7%, meaning for every £1 you earn, you keep approximately £87 pence. Your marginal tax rate (the rate on your next £1 earned) is 20%. Learn more about UK tax bands.
This calculation assumes you have a standard Personal Allowance of £12,570, no student loan repayments, and no pension contributions. You can adjust these factors using the calculator above to see how they affect your take-home pay.
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