This calculator supports UK/US assumptions only. Choose the applicable market in the calculator or its named UK/US tool. Israeli rules are not implemented.
See the take-home cost of a pension contribution, including income tax, employee NI and any employer NI rebate. Uses 2026/27 England, Wales and Northern Ireland rules.
Employment income only. Scottish income tax and other income or reliefs are not modelled.
An additional annual contribution. Check your available pension allowance and that your employer can offer this without breaching minimum-wage rules.
The employer NI estimate uses the current 15% rate above the secondary threshold. Enter the share your employer actually adds to your pension.
A constant annual contribution paid at each year end, grown at your assumed real return. This is an illustration, not a return or future tax-policy forecast.
Higher rate (40%)
Equivalent SIPP take-home cost: £6,450
Growth repeats this contribution at each year end with a constant real return. Future employer rebates, NI rules, pension charges and withdrawal tax are not forecast.
Salary sacrifice can save employee NI as well as income tax. The equivalent SIPP comparison uses the same gross pension funding, including any employer rebate in the sacrifice route, and calculates relief across the bands crossed.
2026/27 England, Wales and Northern Ireland employment-income rules; category A NI is annualised, so actual payroll timing can differ. Assumes no other income, reliefs or existing pension contributions. The equivalent SIPP assumes an eligible UK individual under 75, relief at source, claimed additional relief and sufficient allowance. Personal relief is limited to relevant earnings or the eligible £3,600 gross floor. Minimum wage, benefit effects, annual-allowance/taper/MPAA charges and pension access are not checked.
Calculation and source checks: 20 October 2026. Supported tax year: 2026/27. Illustrative estimates within the stated scope.
2026/27 scenario: £120,000 salary, £20,000 additional salary sacrifice, and an employer adding 50% of its modeled NI saving to the pension.
England, Wales and Northern Ireland, annualised category A NI, no other income or existing pension contributions. This assumes a valid employer arrangement, enough pension headroom and compliance with minimum-wage rules. Pension funding is distinct from spendable cash.
Calculation checked 21 October 2026. Figures are illustrative and rounded; the calculator keeps unrounded intermediate values.
Worth runs this maths against your real salary, your employer's actual rebate policy, and the rest of your tax position. Join the waitlist.
No. Employee NI savings and an employer rebate can favour salary sacrifice, but relief at source can favour a SIPP below the personal allowance. Contributions crossing tax bands need a full calculation. The comparison assumes the same gross pension funding and that eligible additional SIPP relief is claimed.
Yes. Contractual pay can affect benefits, borrowing assessments and statutory payments. Some employers use a reference salary for these purposes. Check the terms with your employer; this calculator does not model those effects or minimum-wage eligibility.
Lower contractual pay can affect NI records. The 2026/27 lower earnings limit is £6,708 annually, but entitlement depends on payroll periods and the wider contribution or credit record. This calculator annualises NI and does not establish whether a year qualifies.
Only if your employer offers a valid arrangement before you become entitled to the cash. The Bonus Sacrifice UK calculator compares the whole bonus as cash with your selected cash-and-pension split. Pension allowance and minimum-wage conditions still apply.