Salary Sacrifice Take-Home Pay Calculator
A salary sacrifice cuts your gross pay but also your Income Tax and NI bill. Your net cost is roughly 72% of the sacrifice (basic rate) or 58% (higher rate). This calculator shows the exact monthly and annual difference.
Compare take-home pay before and after a UK salary sacrifice. Supports pension, car/EV and other benefit types for the 2026/27 tax year.
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What this calculator does
Computes annual and monthly take-home before and after sacrifice, plus Income Tax and NI savings.
Who it is for
UK employees and HR teams who want a clear before/after picture.
How to use it
Enter gross salary, annual sacrifice, benefit type and optional taxable benefit (for car/EV), region, weekly hours and age band.
How the calculation works
Income Tax + Employee NI computed on salary, and again on salary-after-sacrifice plus any added taxable benefit. Differences show the savings.
Worked example
£40k salary, £2,000 pension sacrifice: take-home down ≈ £1,440/yr (~£120/month), Income Tax saving £400, NI saving £160.
Assumptions and limitations
- 2026/27 only; EW/NI bands
- Does not include student loan or auto-enrolment minima
- Estimates only — not financial advice
Frequently asked questions
How much will my take-home change?
Net cost is roughly 72% of the sacrifice (basic rate) or 58% (higher rate).
Auto-enrolment minima?
Not modelled — enter your scheme's sacrifice amount directly.
Why no Scotland?
Scottish bands differ; not yet implemented.
What is a taxable benefit?
For car/EV the BIK amount (P11D × BIK%).
Bonuses?
Enter base salary only.
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Sources and references
GOV.UK Income Tax rates 2026/27; GOV.UK NI thresholds 2026-2027; GOV.UK Salary sacrifice for employers.
Last updated
Last reviewed: 2026-05-21.