Salary Sacrifice Calculator
Estimate take-home pay impact and tax/NI savings from salary sacrifice pension contributions.
United Kingdom Calculator
Adjust Your Inputs
Move the sliders or type exact numbers. Results update instantly.
Instant Estimate
Your Results
Estimated Net Take-Home Cost
£3,480
Based on your selected salary sacrifice calculator assumptions. Try different sliders to compare scenarios.
Income Tax Saving
£2,400
Employee NI Saving
£120
Total Pension Contribution
£6,000
These are planning estimates, not tax, legal or investment advice. Country rules, lender policies and tax rates can change.
Formula & Assumptions
Net Cost = Salary Sacrifice - Income Tax Saving - Employee NI SavingThis calculator gives a fast estimate using common planning assumptions for United Kingdom. Review official rules or speak with a qualified local professional before making high-value financial decisions.
Frequently Asked Questions
Pension salary sacrifice can reduce employee NI under current rules, but schemes and future rules can change.
Yes. Lower contractual pay can affect mortgage checks, statutory pay and some employment benefits.
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See how employer contributions can materially change long-term pension projections.