Pension salary sacrifice guides
Understand how pension salary sacrifice can affect your tax, take-home pay and pension allowances.
Guides
Getting started
What is pension salary sacrifice?
Learn how exchanging cash pay for an employer pension contribution can affect tax, National Insurance and take-home pay.
Read guide
Tax bands
The £100,000 tax trap
Learn how the Personal Allowance taper creates an effective 60% Income Tax rate and how pension salary sacrifice can affect it.
Read guide
Take-home pay
Pension salary sacrifice and take-home pay
See why the amount reaching your pension can be greater than the reduction in your take-home pay.
Read guide
Pension limits
Pension annual allowance
Understand what counts towards the allowance, tapering, carry-forward and checks that may require more care.
Read guide
Upcoming change
Pension salary sacrifice changes from April 2029
Understand the announced £2,000 National Insurance exemption limit and what will stay the same.
Read guide
About the calculator
How TaxOptions calculates your results
Review the assumptions, tax treatment, pension checks and simplifications used by the calculator.
Explore your own pension salary sacrifice options
Compare take-home pay, tax savings and estimated pension input at different sacrifice levels.
Use the pension salary sacrifice calculatorNeed personalised advice?
A regulated financial adviser can consider your pensions, employer scheme, tax position and wider financial goals. They can help you decide whether a pension salary sacrifice level is suitable for you and how it fits into your longer-term plan.
After seeing your results, you can ask TaxOptions to look for a potential adviser match. We will ask for your permission before sharing your details.
Request a financial adviser