Salary Sacrifice Calculator
See how much salary sacrifice into a pension really costs your take-home pay.
Your result
Updates as you type. Based on 2025/26 UK figures where relevant.
How this is worked out
Sacrificed salary is never taxed or charged National Insurance, so your take-home pay falls by less than the amount going into your pension.
Tips
- Check your tax code on every payslip. 1257L is the standard code for 2025/26; anything else deserves a quick look in your HMRC app.
- Pension contributions and salary sacrifice reduce your taxable pay, which matters most if you're near a band threshold.
- If your income is between £100,000 and £125,140, you lose personal allowance and face an effective 60% marginal rate. Pension contributions can bring it back.
Guides for this calculator
- How to Calculate Salary Sacrifice in the UK: Step-by-Step Guide
- Salary Sacrifice: Common Mistakes, Tips and FAQs
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Frequently asked questions
How does the salary Sacrifice Calculator work?
Sacrificed salary is never taxed or charged National Insurance, so your take-home pay falls by less than the amount going into your pension.
When does the UK tax year start?
The UK tax year runs from 6 April to 5 April the following year. Most allowances and bands reset on 6 April.
Where can I check the official rates?
GOV.UK publishes all current income tax, National Insurance and student loan rates. Our figures are based on the tax year shown on each calculator.
Is this calculator a substitute for advice?
No. It gives a clear estimate for common situations. For complex cases such as multiple incomes, benefits in kind or residency questions, speak to an accountant or HMRC.
This calculator gives an estimate for general information. It isn't financial, tax, legal or medical advice. Check official figures on GOV.UK or NHS.uk, or speak to a qualified adviser.