Pension Contribution Calculator
Percentage of salary going into your pension (gross).
Relief at source
Net pay arrangement
Salary sacrifice
This is an estimate based on a standard tax code (1257L / S1257L), NI category A and annual figures. Your payslip may differ because of your tax code, benefits in kind, cumulative payroll, pay timing or other circumstances. Not tax advice. How we calculate
Frequently asked questions
Why is salary sacrifice cheapest?
Because your contractual pay is reduced, you save National Insurance and possibly student loan repayments as well as Income Tax.
Does this include employer contributions?
No. Employer contributions don't affect your take-home pay. Some employers pass on part of their NI saving under salary sacrifice — check with your employer.
Is this a pension projection?
No. This shows the effect on your pay this year only. Pension investments can go down as well as up.
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