Tax year comparison 2026/27
Put this tax year beside an earlier one and see what the same salary takes home in each, once the rates, thresholds and frozen allowances are taken into account.
Thresholds frozen until 5 April 2031
A threshold that stays still while pay rises takes a bigger share of it. That is what this tool is for: where the comparison above shows no change at all, it is because none of these had moved between the two years either.
The earlier years, and what they can and cannot answer
An earlier year needs its own rates, bands, allowances and National Insurance thresholds, each one read from the official source and confirmed by a second document. Sixteen years have been through that, 2010/11 to 2025/26, and three of them are offered above. A year is priced by the same calculation as the current one, and a second calculation written separately has to reach the same figure to the penny before either is shown.
What an earlier year cannot answer is a payslip. Those rules files hold the yearly shape only — no weekly or monthly thresholds, no pension relief and no tax codes — and a monthly figure divided out of a yearly one is the mistake the National Insurance thresholds exist to demonstrate. So the comparison is a plain salary, on the year, with no pension and no student loan on either side.
Common questions
Why is my 2025/26 figure not quite the one the take-home calculator gives?
Because the two sides of a comparison have to be charged the same way. An earlier year’s rules hold the yearly thresholds only — the figures for a week or a month were never published in the form we need — so National Insurance for 2025/26 can only be charged on the year as a whole, and this page charges 2026/27 the same way so that the difference you see is a difference between the years. The take-home calculator charges 2026/27 month by month, as your payroll does, which comes to a few tens of pence over a year.
Why does my pay buy less when the rates have not changed?
Because the thresholds have not moved. The Personal Allowance, the higher rate threshold and the National Insurance thresholds are held where they are until 5 April 2031, so a pay rise moves more of your pay above them even though no rate has risen.