Tax Year Comparison Calculator
Our tax year comparison calculator shows how changes in income tax rates, NI, and thresholds have affected your real take-home pay from one year to the next.
Tax Year Comparison Calculator
Compare your income tax and NI between two tax years side by side.
Results compare the selected earlier tax year against the current 2026/27 rates using published HMRC thresholds. Scottish income tax rates set by the Scottish Parliament differ from the rest of the UK.
Enter your salary and select the earlier tax year to compare against 2026/27. The calculator shows income tax, National Insurance, and take-home side by side for both years. This is particularly useful for understanding fiscal drag — the phenomenon where frozen thresholds cause effective tax rates to rise even without rate increases. If your gross salary has risen with inflation but thresholds have stayed static, you pay a higher proportion in tax each year. The Scotland option applies the correct Scottish rates for whichever region you select for each year. Use the results to contextualise pay negotiations: if your gross pay rose 5% but take-home rose only 3%, the difference reflects increased deductions from fiscal drag rather than payroll errors.