What's Left, step 1 of 7: What will I take home?

Compare tax years

See how your take-home pay changes between tax years on the same salary.

2026/27 tax yearEngland, Wales and Northern IrelandRates checked 18 October 2026

By the ComputeNow team, checked against GOV.UK and HMRCSources (3)How we calculate

Salary

Your yearly salary before tax.

Tax years

2025/26 vs 2026/272024/25 vs 2025/26

Where you live

England, Wales or NIScotland

Choose Scotland if your tax code starts with S.

We've assumed the usual tax code (1257L) and no pension. Change these under More options.

More optionsPension, tax code, National Insurance category, Blind Person's Allowance

Pension contribution

Your workplace pension. Optional.

Or a fixed pension amount

A month, if you pay a fixed amount. Optional.

How your pension is paid

From pay before taxSalary sacrificeRelief at source

Not sure? Ask your employer.

Pension percentage is of

My whole salaryQualifying earnings

Many schemes use pay between £6,240 and £50,270.

Tax code

From your payslip, for example 1257L.

National Insurance category

The letter on your payslip. Most people are A.

I get Blind Person's Allowance

Adds £3,250 to your tax-free allowance. If it is already in your tax code, leave this unticked.

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Your take-home pay changes by

£0.00

a year. The tax and National Insurance thresholds are frozen, so £35,000 takes home the same in both years.

Side by side

Item	2025/26	2026/27
Personal Allowance	£12,570	£12,570
Income Tax	£4,486.00	£4,486.00
National Insurance	£1,794.40	£1,794.40
Take-home pay	£28,719.60	£28,719.60

This is an estimate, not financial advice. Based on rates for England, Wales and Northern Ireland, with no student loan.

Your take-home pay changes by £0.00Breakdown

Why frozen thresholds matter

The Personal Allowance and the higher-rate threshold are frozen while wages rise. Each pay rise therefore pushes more of your income into tax, which is often called fiscal drag.

The same salary takes home the same amount, but a rise that just keeps up with prices leaves you slightly worse off after tax.

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Guides and help

Our guides

How Income Tax bands work in 2026/27Personal Allowance, basic, higher and additional rate National Insurance in 2026/27Rates, thresholds, category letters and salary sacrifice

Official services and free advice

Check your Income Tax for this yearGOV.UK: your tax code and pay so far Tax codes explainedGOV.UK: what yours means, and fixing a wrong one

Sources

Each source was last checked on 18 October 2026.

These results are an estimate, not financial advice. They use the 2026/27 rates in force on 24 October 2026 and the inputs shown, so your actual tax, pay or costs may differ. Before making a decision about your money, check the figures with HMRC or your provider, or speak to a regulated financial adviser. Free, impartial guidance is available from MoneyHelper.

This page explains the rules using the 2026/27 rates in force on 24 October 2026. It is general information, not financial advice. For decisions about your own money, speak to a regulated financial adviser, or get free, impartial guidance from MoneyHelper.