Salary Sacrifice Calculator 2026/27
See your real take-home pay, and how much salary sacrifice could save you in tax and NI. Free to use, no sign up required.
Pop in your annual salary and tax code. Then add any salary sacrifice amounts (per month) in the table and watch what happens to your take-home pay.
Your pay
| Without salary sacrifice | With salary sacrifice | |||
|---|---|---|---|---|
| AnnualWithout sal sac | MonthlyWithout sal sac | AnnualWith sal sac | MonthlyWith sal sac | |
| Salary | ||||
| Salary sacrifice (per month) | ||||
| Pension† | £ | |||
| Cycle to Work | £ | |||
| Car* | £ | |||
| Other | £ | |||
| Total salary sacrifice | ||||
| Gross pay | ||||
| Income Tax | ||||
| National Insurance | ||||
| Student loan | ||||
| Workplace pension | ||||
| Take-home pay | ||||
†Pension sacrifice is shown as an extra contribution on top of your normal pension.
*A car salary sacrifice creates a taxable benefit in kind, based on the car's list price and CO₂ emissions. It isn't included here, so get proper advice before you sign up to one.
Employer Costs
What you cost your employer. Salary sacrifice saves them NI too, which is handy to know if you're asking them to set up a scheme.
| Without salary sacrifice | With salary sacrifice | |||
|---|---|---|---|---|
| AnnualWithout sal sac | MonthlyWithout sal sac | AnnualWith sal sac | MonthlyWith sal sac | |
| Gross pay | ||||
| Salary sacrifice benefits | ||||
| National Insurance | ||||
| Pension | ||||
| Total | ||||
Employer savings exclude Class 1A NI (15%) on the car's benefit in kind, and assume the amount sacrificed covers the car's full cost to the business.
Employer NI savings assume you pay employer NI. If you claim the Employment Allowance and your NI bill is covered by it, the real saving may be lower or nil.
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What the terms mean
Gross pay
Your pay before tax, NI, student loan and pension come off. If you use salary sacrifice, it's your salary after the sacrifice has been taken out.
Take-home pay
What actually lands in your bank account each month after all the deductions.
Salary sacrifice
You give up part of your salary in exchange for a benefit, like extra pension or a bike. It comes off before tax and NI, so your take-home falls by less than the amount you sacrifice. Your employer saves NI on it too.
Workplace pension
Worked out on qualifying earnings (between £6,240 and £50,270 a year) using the relief at source method. You pay 80% of your contribution from take-home pay and your pension provider claims the other 20% from HMRC. The calculator starts at the auto-enrolment minimums of 5% from you and 3% from your employer. Some employers base pension on your salary before sacrifice so your pension doesn't shrink. Untick that box to see the legal minimum on pay after sacrifice, and check with your employer which one they use. Any pension salary sacrifice you add is shown as an extra contribution on top of these.
Employer costs
What you cost your employer in total: your gross pay, plus employer NI (15% on earnings over £5,000), employer pension and any salary sacrifice benefits.
National Minimum Wage
Salary sacrifice can't take your pay below the National Minimum Wage. Your employer has to check this before agreeing to a scheme.
Thresholds and assumptions
Figures assume this is your only job and use the full 2026/27 tax, NI, student loan and pension thresholds for England, Wales and Northern Ireland. Scottish tax codes aren't covered. You can see the official rates and thresholds on GOV.UK.
This calculator is for illustration only. We accept no liability for the accuracy of the figures presented or how you use them.