UK Salary Sacrifice Calculator
See how salary sacrifice pension contributions can reduce your taxable pay, lower your Income Tax and National Insurance, and help you keep more money working for your future.
Reduce your tax with pension contributions
Salary sacrifice can make pension contributions more efficient because the contribution is taken before Income Tax and National Insurance are calculated.
Common salaries:
Results
Tax optimisation insight
Your pension contribution of £2,500.00 could save you £700.00 in Income Tax and National Insurance.
Breakdown
Before Salary Sacrifice
After Salary Sacrifice
Savings
About the UK Salary Sacrifice Calculator
Use this salary sacrifice calculator to estimate how pension contributions can reduce your taxable pay, Income Tax, National Insurance, and take-home pay for the 2026/27 tax year.
Salary sacrifice is commonly used for workplace pension contributions. It can be tax efficient because your salary is reduced before Income Tax and employee National Insurance are calculated.
This means part of your pension contribution may be effectively funded by tax and NI savings, helping you build your pension while reducing your immediate tax bill.
This calculator is designed for UK employees who want a simple estimate of their tax saving from salary sacrifice pension contributions.