Compare Tax Years

Noticed your pay has changed but can’t work out why? Use the tax year comparison calculator to see exactly how the April 2025 budget changes affect your take-home on the same salary.

How to use this calculator

Enter your annual salary.
Choose two different tax years to compare.
Tick Scotland if you pay Scottish tax rates.
The table shows how tax and NI changes between years affect your take-home pay.
Useful for seeing the impact of budget changes on the same salary.

Your salary

Year 1

Year 2

Scotland

	Year 1	Year 2	Difference
Income tax	–	–	–
National Insurance	–	–	–
Net annual	–	–	–
Net monthly	–	–	–

How UK Tax Changes Affect Your Pay Year on Year

UK tax rates, thresholds and National Insurance bands change with each tax year (running April to April). Even if your salary stays the same, your take-home pay can increase or decrease depending on the government’s fiscal decisions.

Key Changes for 2025/26

The personal allowance remains frozen at £12,570 for 2025/26 — a policy known as “fiscal drag” that effectively increases tax as wages rise with inflation. NI rates for employees are 8% on earnings between £12,570 and £50,270. The higher rate threshold remains at £50,270.

Why Compare Tax Years?

This tool is useful for understanding whether changes in government policy have benefited or cost you money. It’s also helpful for financial planning — seeing how a frozen personal allowance erodes your real take-home pay over time.