PENSION · 2026/27
Salary sacrifice calculator
See how much goes into your pension and the estimated reduction in take-home pay.
Pension contribution
£2,500
- Estimated net cost
- £1,800
- Income Tax reduction
- £500
- NI reduction
- £200
SOURCES & REVIEW
Checked against official guidance
Last checked 14 July 2026 · Rule version GB-2026.27.1
GOV.UK: Salary sacrifice ↗COMMON QUESTIONS
Frequently asked questions
Does salary sacrifice reduce tax?
A valid arrangement normally reduces contractual cash pay before Income Tax and National Insurance are calculated.
Will my employer add its NI saving?
Some employers share all or part of their saving, but this is employer-specific and is not assumed here.