Pension salary sacrifice calculator
See the difference between paying the same gross pension contribution through net pay and salary sacrifice.
Enter your details
Your calculation
Estimated monthly take-home£2,843.30
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.
Useful tools and help
See the workplace pension calculator.
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.