Is pension salary sacrifice better than personal contributions?

For most UK basic and higher-rate taxpayers, yes — pension salary sacrifice saves employer NI as well, which is often passed into your pension.

Does it affect pensionable pay?

Most modern schemes recognise sacrifice and base pension and benefits on a notional pre-sacrifice salary.

Will the April 2029 rule change affect me?

From April 2029, employer NI relief on sacrificed pension above £2,000/year is set to end. This calculator does not apply that future change.

Does it affect mortgage applications?

Some lenders use post-sacrifice salary, which can reduce affordability. Ask your lender first.

What if my salary goes below the personal allowance?

The Income Tax saving disappears below £12,570 — only NI is saved.

Pension Salary Sacrifice Calculator

Pension salary sacrifice gives up part of your gross pay in exchange for additional employer pension contributions. Both you and your employer save NI; you…

What this calculator does

Calculates the take-home, Income Tax, employee NI and employer NI impact of pension salary sacrifice, with optional employer NI sharing into the pension pot.

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