Annual comparison
Take-home pay, deductions, and pension contribution before and after sacrifice.
Take-homeTax, NI and loanPension
Money
Salary Sacrifice Calculator
Estimate the net pay change, income tax saving, employee NI saving, and optional employer NI passback from salary sacrifice.
Net pay reduction£2,088£174 per month
Pension added£3,870Sacrifice plus employer passback
Tax and NI saved£1,512Employee-side saving
Before and after
Take-home before£3,780 per month£45,357
Take-home after£3,606 per month£43,269
Income tax reduction£1,440
Employee NI reduction£72
Employer NI passback£270
Rules and assumptions
Tax year6 April 2026 to 5 April 20272026/27
Personal allowance£12,570
Employee NI main rate8.0%
Employer NI rate15.0%
Assumptions
Calculation notes
- Uses simplified 2026/27 income tax, employee NI, employer NI, and student-loan assumptions.
- Does not model minimum wage limits, employer scheme rules, tapered allowances, benefits impact, childcare interactions, or payroll rounding.
- Salary-sacrifice arrangements should be checked with payroll or a qualified adviser.