Salary Sacrifice Calculator
See how much you really save with salary sacrifice — pension top-ups, Cycle to Work, EV schemes, and more. Compare the benefit value to what it actually costs you after tax and NI savings.
You save
£336/yr
Total you save in tax & NI
£336/yr
on £100/mo sacrifice — 28% discount
Effective cost
£72/mo
£864/yr
You sacrifice
£100/mo
£1,200/yr
Your savings breakdown
Salary sacrifice saves both income tax and NI — unlike pension relief at source which only saves income tax.
Take-home pay comparison
| Before | After | Change | |
|---|---|---|---|
| Annual net | £32,320 | £31,456 | -£864 |
| Monthly net | £2,693 | £2,621 | -£72 |
The real story
A £1,200/yr benefit effectively costs you £864 — a 28% saving compared to buying it from your net pay.
Employer saving
Your employer saves £180/yr in employer NI (15%) on your sacrifice. Some employers pass this saving on to employees as additional pension contributions.