Your Details
Calculated automatically on gross salary (before salary sacrifice)
Salary Sacrifice Schemes
No official limit since 2019 - check your employer's scheme limit. Reduces taxable income.
Annual lease cost - reduces taxable income, but you still pay BiK tax on car benefit
Car Details (for BiK Calculation)
Only fill if you have a salary sacrifice car lease - used to calculate BiK tax
Your Results
£30,000
Annual Take-Home Pay
£2,500
Monthly Take-Home Pay
Tax Breakdown
Gross Salary:
£40,000
Personal Pension:
£2,000
Employer Pension:
£2,000
Total Pension Contributions:
£4,000
Salary Sacrifice Total:
£0
Taxable Income (after sacrifice):
£38,000
Income Tax:
£5,086
National Insurance:
£2,874
Net Take-Home:
£30,040
Salary Sacrifice Benefit Analysis
Annual salary sacrifice cost:
£0
Annual tax & NI savings:
£0
Net annual benefit:
£0
£0
Net Annual Benefit from Salary Sacrifice
This is your net position improvement - the value of salary sacrifice schemes
minus their cost, after accounting for all taxes and benefits.
That's £0 better off per month!
Scenario Comparison: How Your Benefit is Calculated
📊 Scenario A: With Salary Sacrifice
Gross Salary:
£0
Less: Salary Sacrifice:
-£0
Less: Income Tax & NI:
-£0
Less: BiK Tax:
-£0
Final Take-Home:
£0
📊 Scenario B: Without Salary Sacrifice
Gross Salary:
£0
Less: Income Tax & NI:
-£0
Take-home before purchases:
£0
Less: Buy items after-tax:
-£0
Final Position:
£0
💰 Your Annual Advantage: £0
Scenario A (£0) minus Scenario B (£0) = Your net benefit
* Both scenarios assume the same pension contributions to focus purely on salary sacrifice benefits