Salary Sacrifice Calculator
Our salary sacrifice calculator shows how much you save in income tax and NI by redirecting pre-tax salary into a pension. For a 40% taxpayer, sacrificing £500/month saves £240/month in tax and NI.
Salary Sacrifice Calculator
See how much you could save on tax and NI through salary sacrifice for 2026/27.
Enter your current salary and the monthly amount to sacrifice. Salary sacrifice exchanges gross pay for an employer-provided benefit — most commonly pension contributions. Because the sacrifice reduces gross pay before tax and NI are calculated, you save both income tax and NI on the amount sacrificed, making it more efficient than a standard employee pension contribution. The employer also saves Class 1 NI, which some employers pass on as an additional pension contribution. Results show pre- and post-sacrifice take-home pay, NI savings, and the effective cost of the pension contribution after reliefs. Important: salary sacrifice reduces your gross pay for statutory purposes — maternity pay, mortgage affordability assessments, and some benefits are calculated on your post-sacrifice salary.