Enter your salary and sacrifice amount to estimate Income Tax savings, employee National Insurance savings and the real monthly impact of pension, cycle to work, EV car or other schemes.
Calculate savingAdjust your salary and sacrifice amount — results update instantly.
Enter your gross annual salary and how much you want to sacrifice. Use the quick-select buttons for common amounts.
Select pension, cycle to work, EV car or other. Choose England/Wales/NI or Scottish income tax rates to see the correct saving.
See your annual and monthly income tax saving, employee NI saving, and net cost — what the sacrifice actually costs in reduced take-home pay.
On a £60,000 salary in England/Wales/NI, a £5,000 annual pension salary sacrifice reduces your taxable salary to £55,000. The sacrifice falls partly in the higher-rate (40%) band: income tax saving is approximately £2,000. Employee NI saves £100 (2% rate above £50,270). Total annual tax and NI saving: £2,100.
Your take-home pay reduces by £2,900 per year (£242/month) — but you receive £5,000 into your pension. The pension effectively costs you £2,900 in reduced take-home, not £5,000. That is £2,100 better than paying from net pay.
Your employer also saves £750 in employer NI (15% × £5,000). If your employer passes this saving on, your pension pot can grow by that amount too — ask your employer's HR or payroll team.
In-depth guides covering every aspect of UK salary sacrifice — updated for the 2026/27 tax year.
How employer NI savings arise under salary sacrifice and whether your employer passes them on.
→EV salary sacrifice, 4% BIK rate for 2026/27, and how the tax-free saving compares to leasing privately.
→The cycle to work scheme: savings, spending limits and how the sacrifice works in practice.
→Sacrificing a bonus into a pension — HMRC timing rules, employer policy and tax savings.
→Scottish income tax rates, NI savings and how sacrifice works differently north of the border.
→Why salary sacrifice must not reduce cash pay below the National Minimum Wage, and what to check.
→Mortgage affordability, statutory pay, minimum wage limits and other downsides to consider.
→Compare salary sacrifice against relief-at-source contributions — which saves more in 2026/27?
→Tax-Free Childcare and employer-supported childcare via salary sacrifice — eligibility and savings.
→How salary sacrifice affects SMP calculations and employer pension duties during maternity leave.
Free interactive calculators — each focused on a specific salary sacrifice scenario.
The main calculator — enter salary and sacrifice amount to see income tax and NI savings instantly.
LiveEstimate tax and NI savings from pension sacrifice, with optional employer NI passthrough.
LiveSee the tax saving from sacrificing a bonus into pension instead of taking it as cash.
LiveEstimate how sacrifice restores your personal allowance when income exceeds £100,000.
LiveCalculate the employer NI saving from salary sacrifice and optional pension passthrough.
LiveUKSalarySacrificeCalculator is part of the UK Money Calculators network — free, independent tools for estimating UK tax and finances.
We calculate take-home pay before and after the sacrifice using 2026/27 income tax and NI rates. The income tax saving is the difference in income tax on the sacrificed amount. The employee NI saving is the reduction in Class 1 employee NI. The employer NI saving is 15% of the sacrifice — your employer's secondary NI reduction.
For Scotland, we apply the published 2026/27 bands: 19% starter, 20% basic, 21% intermediate, 42% higher, 45% advanced, 48% top. The personal allowance tapers above £100,000 adjusted net income, reaching zero at £125,140. Our calculator applies this correctly.