Salary Sacrifice Calculator
See your salary after a sacrifice and the National Insurance saved.
Salary after sacrifice
£40,000.00
- Monthly
- £3,333.33
- Employee NI saved
- £400.00
NI saving uses 2026/27 employee National Insurance rates. Income tax relief is not included.
v1.0 · Reviewed September 2026
How this is worked out
The sacrificed amount is deducted from your gross salary, then employee National Insurance is worked out on both the old and new salary and the difference is the National Insurance saved.
Worked example
- Gross salary £45,000
- Sacrifice £5,000
National Insurance on £45,000 is £2,594.40 and on £40,000 is £2,194.40
£40,000.00 salary after sacrifice, saving £400.00 in National Insurance
Assumptions and limits
- Shows the National Insurance saving only. Income tax relief on the sacrificed amount is not included, so the total benefit is larger than the figure shown.
- Uses 2026/27 employee National Insurance rates and a whole year of sacrifice.
- Sacrifice can reduce earnings related benefits, mortgage assessments and statutory pay, and cannot take pay below the minimum wage.