Compare tax years

See how the same salary changes after Income Tax, National Insurance and other selected deductions. This is a nominal comparison, not an inflation-adjusted one.

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Same gross annual salary

First tax year

The tax year below is the second year. Each year uses its standard tax code unless you enter a custom code, which is held constant in both years. Pension method, loan plan, payroll frequency and benefits are otherwise held constant. Unavailable loan plans are flagged rather than retroactively applied.

Tax year

Where you live

PensionNone

Existing pension method

Future pension salary-sacrifice NI changes

Not applied to this selected tax year. From 6 April 2029, pension salary sacrifice above £2,000 per tax year is due to attract employee and employer Class 1 NI on the excess. Income Tax relief and the reduction in adjusted net income are unchanged by this reform. This is not a pension contribution cap and does not apply to car salary sacrifice. Detailed payroll operation must be verified before implementation. HMRC reform details.

Student loansNone

Student loan

Postgraduate Loan

Student-loan repayment calculator

Benefits & other deductionsNone

Annual taxable benefit value

Benefit tax collection

Benefit reporting and future changes

Use the reporting method for your selected tax year. Mandatory payrolling is announced for cars, fuel, vans and medical benefits from 6 April 2027, then most other benefits from 6 April 2028. HMRC benefit reporting dates.

Add the full employer-reported taxable value for Income Tax unless it is already represented in the tax code you entered. The reporting change is not a new tax exemption. If your code still contains an old benefit adjustment, check it with HMRC rather than changing the benefit value to compensate.

These benefits attract employee Class 1 NI

Annual cash allowances

Existing annual benefit salary sacrifice

Annual post-tax deductions

Tax & payroll settings1257L · monthly

Tax code

Payroll frequency

Employee NI category

Take-home pay across two tax years

Same nominal salary, not adjusted for inflation or purchasing power.

Estimated annual take-home changes by +£0.00.

Second year minus first year · same salary
Calculation	2025/26	2026/27	Difference
Gross annual pay	£0.00	£0.00	—
Personal Allowance	£12,570.00	£12,570.00	—
Income Tax	£0.00	£0.00	—
Employee NI	£0.00	£0.00	—
Annual take-home	£0.00	£0.00	—
Monthly take-home (equivalent)	£0.00	£0.00	—

These are employment-income estimates, not exact historical payslips. Supplied benefits keep the same taxable values; scheme eligibility and historical valuations are not recalculated.