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.
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See the results in table or graph format, plus full calculations
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View the tool online and offline
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Save as a pdf for your reports

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.