2026/27 tax year
Salary-sacrifice pension planner
See what a monthly pension sacrifice costs you in take-home pay and how it changes tax, National Insurance and loan deductions.
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How to use this planner
- Enter your annual salary and the amount you are considering sacrificing into your workplace pension each month.
- Add your student-loan details if they apply.
- Compare your current estimated pay with the salary-sacrifice scenario and review the tax and National Insurance savings.
What salary sacrifice means
With salary sacrifice, you agree to give up part of your contractual salary and your employer pays that amount into your pension instead. This normally reduces both Income Tax and employee National Insurance. It can also reduce student-loan deductions for that pay period.
Important limits
This is an illustrative 2026/27 estimate for England, Wales and Northern Ireland. It assumes the entire amount is sacrificed from full salary. It does not model employer NI savings shared with you, changes to salary-linked benefits, minimum-wage rules, pension annual allowances or employer-specific scheme rules. A lower student-loan deduction can mean the outstanding loan takes longer to repay.
Read HMRC's salary-sacrifice guidance and check your employer's pension-scheme rules before changing your arrangements.
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