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Salary Sacrifice Calculator

UK2026/27 England/Wales/Northern Ireland, age21+ Class1 categoryA employee with12 equal monthly salaries sacrificed into employer registered-pension contributions. Annual salary≤GBP100,000, standard personal allowance12,570, no other income, deductions or student loans. Income tax assessed annually; NI calculated monthly, so cumulative PAYE payslips may differ. Post-sacrifice hourly minimum GBP12.71 required. Pension allowances, contract and contribution eligibility separately established; employer NI saving is not automatically added to pension.

UK2026/27 England/Wales/Northern Ireland, age21+ Class1 categoryA employee with12 equal monthly salaries sacrificed into employer registered-pension contributions. Annual salary≤GBP100,000, standard personal allowance12,570, no other income, deductions or student loans. Income tax assessed annually; NI calculated monthly, so cumulative PAYE payslips may differ. Post-sacrifice hourly minimum GBP12.71 required. Pension allowances, contract and contribution eligibility separately established; employer NI saving is not automatically added to pension.

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Result

Enter your values and run the tool to see your result.

How to use this tool

Check the units, enter your values, and run the tool. Results follow the assumptions and method below.

Calculation method

Annual net salary before GBP(12*monthly-(0.2*min(max(12*(monthly)-12570,0),37700)+0.4*max(12*(monthly)-50270,0))-(12*floor((0.08*min(max((monthly)-1048,0),3141)+0.02*max((monthly)-4189,0))*100+0.5)/100))
Annual net salary after GBP(12*(monthly-sacrifice)-(0.2*min(max(12*(monthly-sacrifice)-12570,0),37700)+0.4*max(12*(monthly-sacrifice)-50270,0))-(12*floor((0.08*min(max((monthly-sacrifice)-1048,0),3141)+0.02*max((monthly-sacrifice)-4189,0))*100+0.5)/100))
Annual income-tax saving GBP(0.2*min(max(12*(monthly)-12570,0),37700)+0.4*max(12*(monthly)-50270,0))-(0.2*min(max(12*(monthly-sacrifice)-12570,0),37700)+0.4*max(12*(monthly-sacrifice)-50270,0))
Annual employee NI saving GBP(12*floor((0.08*min(max((monthly)-1048,0),3141)+0.02*max((monthly)-4189,0))*100+0.5)/100)-(12*floor((0.08*min(max((monthly-sacrifice)-1048,0),3141)+0.02*max((monthly-sacrifice)-4189,0))*100+0.5)/100)
Annual employer NI saving GBP(12*floor(max((monthly)-417,0)*15+0.5)/100)-(12*floor(max((monthly-sacrifice)-417,0)*15+0.5)/100)
Annual amount redirected to pension GBPsacrifice*12
Annual reduction in take-home pay GBP(12*monthly-(0.2*min(max(12*(monthly)-12570,0),37700)+0.4*max(12*(monthly)-50270,0))-(12*floor((0.08*min(max((monthly)-1048,0),3141)+0.02*max((monthly)-4189,0))*100+0.5)/100))-(12*(monthly-sacrifice)-(0.2*min(max(12*(monthly-sacrifice)-12570,0),37700)+0.4*max(12*(monthly-sacrifice)-50270,0))-(12*floor((0.08*min(max((monthly-sacrifice)-1048,0),3141)+0.02*max((monthly-sacrifice)-4189,0))*100+0.5)/100))

References