🔄 Salary Sacrifice Calculator

See how much you save with salary sacrifice vs normal pension contributions.

£
£

Extra Pension (vs normal)

£480

Your NI Saving

£480

Employer NI Saving

£828

Why Salary Sacrifice?

With salary sacrifice, your gross salary is reduced BEFORE tax and NI are calculated. This means you save both income tax AND National Insurance — and your employer saves their NI contribution too.

💡 Many employers pass their NI saving into your pension too — ask your HR department!