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Salary sacrifice versus relief at source
Compare take-home pay and the pension pot for the two methods.
Illustrative result
£230.40 take-home difference
- Sacrifice take-home
- £36,006.48
- Relief at source take-home
- £35,776.08
- Sacrifice pot
- £4,800.00
- Relief at source pot
- £4,800.00
| Method | Take-home | Pot |
|---|---|---|
| Salary sacrifice | £36,006.48 | £4,800.00 |
| Relief at source | £35,776.08 | £4,800.00 |
Assumptions
- 2026 to 2027, England, Wales or Northern Ireland, no student loan.
- Sacrifice reduces National Insurance. Relief at source does not.
Questions
Are the pots the same?
They are the same gross percentage. Take-home pay differs because sacrifice also reduces National Insurance.
Use this in your own plan
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Related calculators
Estimates only. Tax and repayment rules can change, and this is not financial, tax or pension advice.
Take-home difference£230.40See breakdown