UKSalarySacrificeCalculator.co.uk is a free, independent tool for UK employees to estimate the income tax and National Insurance savings from salary sacrifice arrangements — including pension, cycle to work, EV company car and other schemes.
Use the salary sacrifice calculator to model the before-and-after impact of any salary sacrifice arrangement on your take-home pay. The calculator shows income tax saving, employee NI saving, employer NI saving, and the real monthly net cost of the sacrifice.
All calculations use published 2026/27 rates. The calculator supports both England/Wales/NI and Scottish income tax rates.
All content is reviewed against current HMRC and GOV.UK guidance for the active tax year. We prioritise factual accuracy and practical usefulness. Where assumptions are made, they are documented on the methodology page.
This site does not provide financial, tax or legal advice. For decisions about salary sacrifice, consult your employer's HR team or a qualified financial adviser.
For corrections, data-quality feedback or editorial queries: mskippergriffiths@gmail.com
Part of the UK Money Calculators network. Tax year: 2026/27.