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Salary Sacrifice Calculator

See the real cost of NHS salary sacrifice schemes — lease cars, cycle to work — after tax, NI and pension savings.

Embed this tool on your site — free

Sacrifice Details

£
£
Salary sacrifice reduces gross pay before tax, NI and pension — you pay less of all three. Whether NHS pensionable pay is affected depends on your trust's scheme rules.

The Real Cost

Sacrifice amount£3,600
Income tax saved-£660.24
NI saved-£288.00
Pension contribution saved-£298.80
Real cost to you / year
£2,353
Effective discount
35%
Monthly take-home change-£2,352.96

Note: lower gross pay can reduce mortgage affordability references, statutory pay (maternity/sick), and death-in-service calculations. Pension contribution savings assume salary sacrifice reduces pensionable pay.