Salary Sacrifice Optimiser UK

Could salary sacrifice save me money?

See your NI saving, take-home impact and long-run pension boost — salary sacrifice calculator

Gross salary (£/yr)

Current sacrifice amount (£/yr)

Additional sacrifice to model (£/yr)

Years to retirement

Assumed investment growth (%/yr)

Employer passes back their NI saving? Some employers add their NI saving (~15% from April 2025) to your pension — check your scheme

Extra pension pot at retirement

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Monthly take-home reduction

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