Salary Sacrifice Calculator
See how pension salary sacrifice changes take-home pay
Work out your new monthly take-home pay and how much Income Tax and National Insurance you save in 2026/27.
Your salary before tax and pension sacrifice.
Enter a percentage, monthly amount, or annual amount.
Enter how much salary you want to sacrifice.
Common salaries:
Your estimated results
Estimate based on the salary and contribution entered. Your pension contribution is usually larger than the fall in take-home pay because tax and NI savings reduce the real cost. Employer scheme rules can change the actual saving.
Breakdown
Before salary sacrifice
After salary sacrifice
Key rates
20%
Basic rate tax
8%
Main employee NI
£12,570
Personal Allowance
UK Salary Sacrifice Calculator
Use this salary sacrifice calculator to see how pension salary sacrifice changes your take-home pay, and how much Income Tax and National Insurance you could save in the 2026/27 tax year.
Enter your salary and contribution as a percentage, monthly amount, or annual amount. The results show your new monthly take-home pay, the real reduction in take-home, and the tax and NI you save.
Your pension contribution is usually larger than the fall in take-home pay, because part of the contribution is offset by lower tax and NI.