Salary Sacrifice Calculator
Make your pension work harder.
See how moving part of your salary into a pension changes take home pay, Income Tax and National Insurance. Enter your gross salary and a monthly sacrifice amount.
Free to use
Updated for the 2026/27 tax year
The Salary Hub calculator
What does sacrifice change?
Estimated take home
£37,360 a year after deductions
Estimate for standard PAYE, 2026/27. Actual payroll figures can vary by tax code and pay schedule.
Behind the number
What salary sacrifice means here
- 01
The calculator treats your contribution as a true salary sacrifice arrangement, where the sacrificed pay is not subject to Income Tax or employee NI.
- 02
Your annual take home falls by less than the amount going into your pension because tax and NI may be lower.
- 03
Employer pension contributions, scheme rules and any change to benefits are not included.
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