Salary Sacrifice Calculator
What salary sacrifice saves in tax and NI.
Result
Annual sacrificed£3,600.00
Tax saved£720.00
NI saved£288.00
Pension gets£3,600.00
Real monthly cost£216.00
Salary Sacrifice Calculator — FAQs
Why is salary sacrifice efficient?
The sacrificed amount avoids income tax AND NI. At basic rate £300/month costs you only ~£216 take-home but £300 lands in your pension; employer may add their NI saving too.
Does salary sacrifice affect benefits?
It lowers contractual gross — which can slightly reduce mortgage affordability and statutory pay calculations, though most lenders use pre-sacrifice figures.
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