With pension salary sacrifice, you agree to give up some cash salary in return for an employer pension contribution. That can change your tax, NI and benefits linked to pay.
Checked . Based on official GOV.UK guidance. About our calculators and content.
Calculate your pension deduction
Compare the same pension amount
Keep the gross pension contribution the same when comparing methods. Net-pay contributions reduce taxable pay but not NI pay in this calculator. Pension salary sacrifice reduces both. Relief at source works differently.
Check what your employer offers
Your employer must agree to the arrangement and check minimum wage and contract requirements. Do not assume it will pass any employer NI saving into your pension.
Check the effects beyond take-home pay
The arrangement can affect salary-linked benefits, statutory pay and mortgage references. Pension contribution limits and access rules also matter. These are not assessed by the calculator.
Source: Read the original rules and guidance. Content checked 23 October 2026. General explanation, not personalised tax advice.