UK PAY GUIDE · 2026/27
Salary sacrifice and take-home pay
Salary sacrifice means agreeing to reduce cash salary in exchange for an employer-provided benefit, commonly an employer pension contribution. It can change Income Tax and National Insurance outcomes.
What it means
Use TakeHome Online to model different pension percentages. The calculator is illustrative and does not determine whether a particular arrangement is suitable for you.
Run your own numbers
Open TakeHome Online calculators →
Important
These tools provide illustrative estimates and are not tax, legal or financial advice. Actual payroll treatment depends on individual circumstances.