Salary 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.

Put £100 a month into your pension through salary sacrifice and, as a basic rate taxpayer, your take-home drops by about £72. The full £100 still lands in your pension.
2026/27 rates for England, Wales and Northern Ireland
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Pension is worked out using the relief at source method, as used by Nest and The People's Pension.

Your pay

Without salary sacrificeWith 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

*A car salary sacrifice creates a taxable benefit in kind, which depends on the value of the car. 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 sacrificeWith salary sacrifice
AnnualWithout sal sac MonthlyWithout sal sac AnnualWith sal sac MonthlyWith sal sac
Gross pay
Salary sacrifice benefits
National Insurance
Pension
Total

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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.

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.