The short answer
On a £28,000 salary in England, Wales or Northern Ireland for 2025/26 (standard allowance, no pension or student loan), you keep roughly £23,680 a year — about £1,973 a month (~£455/week). The Tax Bite is around £4,320 (Income Tax + employee NI).
Full breakdown
- Gross pay: £28,000
- Income Tax: £3,086
- National Insurance: £1,234
- Estimated net: £23,680 (£1,973 / month)
- You keep: ~85% · HMRC bite: ~15%
Mostly basic-rate — for now
£28,000 sits in the bulk of UK earners' comfort zone: mostly 20% Income Tax plus employee NI. The bite is real but predictable — until bonuses, Scotland, or student loans enter the chat.
What changes the number
- Scotland — different Income Tax bands (often a bigger bite at this salary).
- Pension % — can reduce taxable pay depending on your scheme.
- Student loan — Plan 1/2/4/5 or postgraduate trims take-home further.
- Bonus — taxed at marginal rate; use Advanced Features for true bonus take-home.
How we estimated this
Standard personal allowance scenario for 2025/26, employee PAYE, no student loan, pension, or bonus. Your payslip may differ with tax codes, benefits, or emergency codes. TaxBite runs in your browser on taxbite.lol — estimates only, not tax advice.