Compare tax years
Enter your salary to see how your take-home pay differs between tax years — useful for understanding how frozen thresholds and National Insurance changes affect the same gross salary over time.
Compare tax years →Fiscal drag: why frozen thresholds cost you money
The Personal Allowance (£12,570) and higher-rate threshold have been frozen for several years. As wages rise with inflation, more of your income drifts into taxable bands and more people become higher-rate taxpayers — without any headline tax rise. Comparing years on the same salary makes this "fiscal drag" visible.
Frequently asked questions
Why has my take-home pay changed when my salary hasn't?
National Insurance rates and thresholds have changed several times in recent years, and frozen Income Tax thresholds interact with pay rises. Comparing the same salary across tax years shows exactly which deductions moved.
What is fiscal drag?
Fiscal drag is when frozen tax thresholds combine with rising wages to pull more income into higher tax bands, increasing the effective tax burden without a headline rate rise.