Salary sacrifice reduces your gross income before tax and NI are calculated, saving you both income tax and National Insurance. Enter salary and pension percentages to see the savings. Model UK salary sacrifice scenarios for pensions. Compare take-home pay before and after sacrificing salary, tax savings, and employer pension boosts. UK Salary Sacrifice Calculator to estimate your take-home pay, pension contributions, and tax savings. Free UK calculators for salary sacrifice pensions, take-home pay, pension contributions, bonus sacrifice and the £100k tax trap. Built by Future Interactive. Calculate exactly how salary sacrifice affects your take home pay, tax savings, and pension contributions. See the full impact on your payslip including income tax, National Insurance, and employer savings from salary sacrifice arrangements. Calculate pension tax relief at 20%, 40%, 45% or 60% (in the £100k tax trap). Compare salary sacrifice vs relief at source for any contribution. Free 2026/27 calculator. Free UK pension tax relief calculator. Calculate your tax relief on pension contributions for 2025/26 using Relief at Source, Net Pay, or Salary Sacrifice. Free take-home pay calculator with salary sacrifice, pension relief, and dividend tax planning. Calculate your income tax, National Insurance, and net pay across 7 employment profiles — updated for April 2026 HMRC rates and thresholds. Tax Codes Higher-rate 40% guide £100k tax trap Bonus tax worked examples Tax on £X bonus (per-amount) Tax on £X dividends (per-amount) Pension Pension Annual Allowance Pension Drawdown State Pension Salary Sacrifice UFPLS Max pension contribution Salary sacrifice 2026/27 Pension 25% PCLS lump sum Auto-enrolment employer deep-dive Property. Tax calculators and tax tools to check your income and salary after deductions such as UK tax, national insurance, pensions and student loans. Updated for the 2026-2027 tax year.