# Tax year comparison: 2025/26 vs 2026/27 pay | ComputeNow

URL: https://computenow.co.uk/compare-tax-years/

> Compare your take-home pay in 2026/27 with the year before and see how frozen thresholds and new rates change it.

This calculator shows a worked example below. To use your own figures, add them to the URL as query parameters (listed in https://computenow.co.uk/llms.txt), for example https://computenow.co.uk/compare-tax-years/?<parameter>=<value>.

[What's Left, step 1 of 7: What will I take home?](https://computenow.co.uk/money-plan/#steps)

# 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 HMRC[Sources (3)](#sources)[How we calculate](https://computenow.co.uk/methodology/)

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 £0.00 Breakdown](#result)

## 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.

## Related calculators

[Take-home pay calculator Your pay after Income Tax and NI](https://computenow.co.uk/take-home-pay/)[Compare two salaries See the difference after tax](https://computenow.co.uk/compare-salaries/)[Income Tax calculator Your tax band by band](https://computenow.co.uk/income-tax-calculator/)

## Guides and help

### Our guides

[How Income Tax bands work in 2026/27 Personal Allowance, basic, higher and additional rate](https://computenow.co.uk/guides/income-tax-bands-2026-27/)[National Insurance in 2026/27 Rates, thresholds, category letters and salary sacrifice](https://computenow.co.uk/guides/national-insurance-2026-27/)

### Official services and free advice

[Check your Income Tax for this year GOV.UK: your tax code and pay so far](https://www.gov.uk/check-income-tax-current-year)[Tax codes explained GOV.UK: what yours means, and fixing a wrong one](https://www.gov.uk/tax-codes)

## Sources

Each source was last checked on 18 October 2026.

- [GOV.UK: Rates and thresholds for employers 2026 to 2027](https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027)
- [GOV.UK: Income Tax rates and Personal Allowances](https://www.gov.uk/income-tax-rates)
- [GOV.UK: National Insurance rates and categories](https://www.gov.uk/national-insurance-rates-letters)
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.