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Salary Sacrifice Calculator

Salary Sacrifice Pension Calculator

Do you want to boost your take-home pay and grow your pension? Our free calculator helps UK employees and remote workers learn how much more they could take home each year with salary sacrifice.

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Salary Sacrifice Calculator Result

Please enter your salary and pension contributions to see the comparison.

Step-by-Step Guide

How can you calculate your salary sacrifice benefits?

Calculate your potential benefits in 3 clear steps:

Enter Your Annual Income

Provide your gross annual income before tax and deductions.

Add Contribution Details

Input your and your employer's contributions as a percentage of your income or a fixed amount.

Compare the Results

Review pension options and see how much extra you could take home each year.

Salary Sacrifice Calculator

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Frequently asked questions

Have more questions? Visit our about page or get in touch with Frederic, Co-Founder of RemoteCorgi.

What is salary sacrifice?
Salary sacrifice is when you exchange part of your wages for a non-cash benefit, usually increased pension contributions. Your employer transfers this amount into your fund instead. By reducing your gross wages before tax and National Insurance is calculated, both you and your employer pay less National Insurance. This increases your take-home income while your contributions stay the same.
How accurate is this calculator?
The calculator uses the 2025/26 tax rates and thresholds for England and Northern Ireland. It gives a rough estimate for most people, but your own results might be different if you have extra deductions, benefits, or unusual pay setups. For a precise figure, it's best to speak with your employer or a financial adviser.
What should you think about before switching?
Salary sacrifice might make it harder to get a mortgage, because lenders will see a lower official income. It can also change how much you get for things like sick pay, maternity pay, or income-based benefits. You can't use salary sacrifice if it takes you below the National Minimum Wage. Money you put in your pension this way is locked in until you're at least 55 (57 from April 2028), and you usually can't get a refund if you leave the scheme early. If your life insurance is linked to your income, a lower salary could mean less cover. It's a good idea to check with your employer or a financial adviser before you decide.

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Disclaimer: We have taken great care and gave our best effort to ensure the accuracy of the information provided by this Salary Sacrifice Calculator. However, RemoteCorgi does not accept responsibility for any errors or omissions and makes no guarantees or warranties regarding the correctness of the results generated by this free tool. By using this tool, you agree not to hold RemoteCorgi liable for any consequences, issues, or damages arising from any inaccuracies in the results produced. We recommend double-checking all results and contact us if you have any questions, feedback or concerns.