Workplace pension contribution calculator
See how pension contributions affect your pay. Compare net pay and salary sacrifice; this tool does not predict investment growth or retirement income.
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Your calculation
Annual gross £45,000.00 · annual take-home £34,119.60
Monthly view · updates as you change your details
- Take-home pay£2,843.30
- Income Tax£503.00
- National Insurance£216.20
- Pension£187.50
- Student loans£0.00
- Other sacrifice£0.00
| Component | Net-pay pension | Pension sacrifice |
|---|---|---|
| Gross income | £45,000.00 | £45,000.00 |
| Income Tax | -£6,036.00 | -£6,036.00 |
| National Insurance | -£2,594.40 | -£2,414.40 |
| Pension contribution | -£2,250.00 | -£2,250.00 |
| Student loans | £0.00 | £0.00 |
| Other salary sacrifice | £0.00 | £0.00 |
| Take-home pay | £34,119.60 | £34,299.60 |
How to use this result
The table compares the same gross pension contribution through both methods. It leaves out employer NI savings, investment growth, relief at source and annual-allowance charges. Your employer must check minimum-wage rules separately.
Source: Read the official guidance. Checked 23 October 2026. Estimates are not personalised advice.
More tools and help
You may also find these calculators and pages useful.
To see the pension alongside tax, NI and any loan repayment, include it in your salary breakdown. Choose the same pension method in both calculators.