UK Pension Salary Sacrifice Calculator

UK-only (England/Wales/NI or Scotland). Model how pension salary sacrifice changes your take-home pay. 2025/26 assumptions.

UK-only (England/Wales/NI or Scotland). 2025/26 tax year assumptions.

Salary Input Type

Annual Base Salary (£)

Monthly equivalent: £2,500

Salary Amount Is

Tax Region

Monthly Additions

Total: £0 / mo

No monthly additions

One-off Annual Items

Total: £0 / yr

No one-off annual items

Use for bonus or any single annual taxable payment.

RSU Input

Annual RSU Value (pre-tax) (£)

RSUs are modelled as vesting quarterly (4 times per year).

Employer Match Cap (%)

Employer matches your contribution up to this percent of salary (1:1). Set 0% to disable.

SMART: Employer NI saving to pension (%)

If your employer passes on their NI saving from salary sacrifice into your pension, enter the share here (often 0%–100%).

Cycle to Work Monthly Amount (£)

Student Loan Plan

Current Pension Sacrifice (%)

0%5.0%50%

New Pension Sacrifice (%)

0%10.0%50%