Resources · Calculators
UK salary sacrifice calculator
Take-home pay with and without a pension salary sacrifice, and the tax and NI saved.
About this calculator
What it estimates
How much take-home pay you give up, and how much income tax and employee National Insurance you save, by sacrificing part of your salary into a pension.
Assumptions (UK 2025/26 tax year rates)
- •England, Wales and Northern Ireland income tax bands and Class 1 employee NI at 8% / 2%
- •Sacrificed amount goes entirely into the pension; employer NI savings passed on are not modelled
- •Personal allowance taper above £100,000 is included
Estimates only, for orientation. Rates and thresholds change each tax year and your actual liability depends on facts this tool does not ask for. This is not tax advice.
For US–UK filers
Why your real number differs
For a US person the pension contribution is not automatically deductible on the US return. Contributions to a UK employer scheme can be deducted and growth deferred under the US–UK treaty if the position is claimed on Form 8833; without it, the sacrificed salary may still be taxable income in the US.