Salary Sacrifice Calculator (UK)
See how pension or salary sacrifice reduces tax and increases your real take-home efficiency.
Tax saved
£0
Monthly net change
-£208
New monthly take-home
£3,085
Decision insights
Take-home falls more slowly than the sacrificed amount
That is the point of salary sacrifice. Monthly take-home usually drops, but not by the full amount redirected, because taxable income is lower.
This is now a more strategic pay-structure decision
At higher salaries or stronger sacrifice levels, the trade-off becomes less about headline pay and more about long-term efficiency, pension growth, and threshold management.
Explore the £100k tax trap
Useful when sacrifice becomes a threshold-management decision as well as a pension one.
Compare salary outcomes
Judge whether raw salary growth or tax-efficient structure produces the better outcome.
Open the main calculator
Return to the broader salary flow with the main deduction dashboard.