Salary Sacrifice Calculator

Understand the effect of salary sacrifice on your client’s pension – to lower pension contribution costs or increase contributions at the same cost.

  • See the results in table or graph format, plus full calculations

  • View the tool online and offline

  • Save as a pdf for your reports

 The Salary Sacrifice Calculator

Key features of our Salary Sacrifice calculator

Model different salary sacrifice scenarios

The main advantage of salary sacrifice, is to maintain existing pension contributions at a lower cost or to increase pension contributions at no extra cost. Enter details of salary, personal (relief at source) contributions and employers pension contribution to calculate the sacrifice required. You can even model different scenarios.

Available online and offline

Add this tool to your favourites and use it even when you’re not online.

Save as a pdf

To save the results you’ll need to print them as a pdf. Find out how in our Handy Hints and Tips guide (PDF).

Guidance, but not advice

The results of the tool are illustrative only and are in no way intended to be a recommendation for a particular course of action and do not constitute advice. The results are based on our current understanding of legislation and HMRC practice. But these might change without notice and the tool doesn’t take into account all of the possible circumstances that could impact your clients.

Learn more about salary sacrifice

Learn more about salary sacrifice and access a range of guidance from HMRC's Employment Income Manual

"Prudential" is a trading name of Prudential Distribution Limited. Prudential Distribution Limited is registered in Scotland. Registered Office at Craigforth, Stirling FK9 4UE. Registered number SC212640. Authorised and regulated by the Financial Conduct Authority. Prudential Distribution Limited is part of the same corporate group as the Prudential Assurance Company. The Prudential Assurance Company and Prudential Distribution Limited are direct/indirect subsidiaries of M&G plc, a company incorporated in the United Kingdom. These companies are not affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America or Prudential plc, an international group incorporated in the United Kingdom.