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Salary Sacrifice Calculator (UK)

Calculate how much tax and National Insurance you save by sacrificing part of your salary into a pension.

Also try:💵 Salary / Take-Home Pay ⏳ Pro Rata Salary (UK)📊 Capital Gains Tax (UK)

💱 Amounts shown in selected currency. Rates are approximate — for exact rates check your bank.

About This Calculator

Salary sacrifice reduces your gross salary before tax and National Insurance are applied, redirecting the amount into your pension instead. This calculator compares your take-home pay with and without the sacrifice.

About This Calculator

Salary sacrifice reduces your gross salary before tax and National Insurance are applied, redirecting the amount into your pension instead. This calculator compares your take-home pay with and without the sacrifice.

Frequently Asked Questions

How does salary sacrifice save tax?

The sacrificed amount is deducted before Income Tax and National Insurance are calculated, so you save tax and NI on every pound sacrificed, not just pension tax relief.

Does salary sacrifice affect my take-home pay?

Yes — your gross salary is lower, which slightly reduces take-home pay, but the amount going into your pension is larger than the reduction in take-home pay, because of the tax and NI saved.