Income
Salary Sacrifice Calculator
Compare take-home with and without pension salary sacrifice, and see the income tax and National Insurance you save on what you sacrifice.
Updates live as you type · 2026/27 HMRC rates · Private — stays on your device
Take-home at 5% sacrificeEstimate · 2026/27 HMRC rates · checked April 2026
The pension figure includes your employer's £2,100/yr.£49,127
after tax, NI & pension · per yearInto pension
£5,600
Tax + NI saved
£1,470
What if I sacrifice…
Percentage of £70,000 gross · £3,500/yr
Take-home
£49,127
−£2,030
Tax + NI
£17,373
−£1,470
Pension/yr
£5,600
+£3,500
Marginal rate on next £1
42%
Heads up — mortgage affordability
This lowers your gross pay to £66,500, which most mortgage lenders use for affordability. At a typical 4.5× gross, your borrowing capacity drops by roughly £15,750 (£315,000 → £299,250). Some specialist lenders add pension contributions back — worth asking.Worth knowing
How does pension salary sacrifice save tax and NI?