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Salary sacrifice calculator

Compare take-home pay and the pension pot with and without salary sacrifice.

Illustrative result

£3,840.00 goes into the pension

2026 to 2027

Sacrifice reduces contractual pay before tax, National Insurance and student loan repayments.
The employer contribution shown is the percentage you enter. Any employer National Insurance saving that is shared back should be included in that percentage.
Salary sacrifice reduces contractual pay before income tax, National Insurance and student loan repayments.
Net pay pension contributions reduce taxable pay, but not National Insurance or student loan repayments.
Relief at source is paid from net pay. Basic-rate relief is added in the pension. Extra relief reduces tax and is not added twice.
Student loan repayments use the pay-period threshold and are rounded down to the nearest pound, then multiplied by the number of periods.
National Insurance uses the monthly or weekly thresholds for the selected pay frequency.

Is salary sacrifice the same as a net pay pension?

No. Net pay reduces Income Tax but not National Insurance or student loan repayments. Sacrifice reduces all three.

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Estimates only. Tax and repayment rules can change, and this is not financial, tax or pension advice.