A salary-sacrifice pension looks expensive on your payslip — but it costs less than you think. Because your contribution comes out before income tax and National Insurance, every £1 into your pension can cost as little as about 72p of take-home pay. Enter your salary and contribution percentage to see your tax and NI savings — and the real cost to your take-home pay. Results update as you type.
Estimates only — not financial advice. Based on 2026/27 rates for England, Wales & Northern Ireland. Rates may change after the Autumn Budget on 28 October 2026.
Compare the full picture in our take-home pay calculator, or see the two savings separately with the income tax calculator and the National Insurance calculator.