How salary sacrifice affects take-home pay
Salary sacrifice reduces contractual cash pay before the tax and National Insurance estimate is run. The calculator shows both net cash take-home and the combined value of net cash plus pension contribution.
Why this matters near £100,000
Salary sacrifice can reduce adjusted income and may help preserve some or all of the Personal Allowance when income is above £100,000.
More salary examples
Extra annual salary examples are tucked away here to keep the main calculator page clean. These buttons still use annual salary mode, not hourly mode.
Frequently Asked Questions
Which tax year does this calculator use? +
It uses the 2026/27 UK tax year for England, Wales and Northern Ireland estimates.
Does salary sacrifice reduce National Insurance? +
In this calculator, yes. The pension percentage is treated as salary sacrifice, so the reduced cash pay is used for both income tax and employee National Insurance estimates.
Does this include Scottish income tax? +
No. Scottish income tax rates and bands are different and are not included in this version.
Why might my payslip be slightly different? +
Payroll systems use pay-period thresholds, tax codes and rounding rules. This calculator gives a strong annual estimate, not payroll advice.