Exclusive Guides
Join Thrive to get your free guides ⇢
Find out how much salary sacrifice could save your business
Save on costs and boost pensions without impacting your team’s take-home pay.
Salary sacrifice lowers your NI bill while helping your team save more for the future. And with Thrive, it’s quick to understand, easy to set up, and the difference is clear to see.
Employer NIC Savings Calculator
This calculator shows how salary sacrifice could work for your business, based on 2025/26 UK tax rules (excluding Scotland). It’s not financial advice. For tailored guidance, speak to a financial adviser or accountant.

Salary sacrifice explained

Salary sacrifice benefits both you and your team. Here’s how.

For your business

Lower costs. More choices.
When your team uses salary sacrifice, your National Insurance bill drops. You can:
  • Reinvest them into your team’s pensions.
  • Or enhance your employee workplace benefits package.
Either way, you’re improving engagement without increasing costs.

For your team

More in their pension. Less out of their pocket.
Salary sacrifice enables employees to:
  • Pay less National Insurance.
  • Build their pension faster.
  • Keep the same take-home pay.
A few things
to note
  • Results are based on UK Net Pay pension arrangements. Not suitable for Relief at Source schemes or Scottish taxpayers.
  • Assumes all employees are in a defined contribution scheme, within annual pension contribution limits.
  • Results use only the data entered, with salary and contributions staying the same across 2025/26. Does not include team members joining or leaving partway through the year.
  • Accuracy may be affected if:
  • Post-sacrifice salary falls below £12,570.
  • Salary exceeds £200,000 (personal allowance tapering).
  • Contributions go above the annual allowance, including carry forward.
More questions?
Talk to the Thrive team today. We're here to make things like salary sacrifice clearer, simpler, and stress-free.

Book a demo
Salary sacrifice FAQs
Here's some frequently asked questions about salary sacrifice, but if we haven't covered yours then get in touch on hello@mythrive.co.uk.
01
How much could my business save with salary sacrifice?
Use our calculator above for an instant estimate.
02
Will this reduce my team’s take home pay?
No, they should just pay less National Insurance.
03
What can I do with the employer savings?
That’s up to you. You could reinvest into pensions or enhance your benefits package, whatever you think will benefit your business.
04
Is salary sacrifice difficult to set up?
Not with Thrive. We simplify setup and make it clear for your team. Got a question about the setup process? Feel free to reach out to our team at hello@mythrive.co.uk.
05
Are there any rules I need to follow?
Yes. Gross salaries must stay above the National Minimum Wage, and the scheme must meet HMRC requirements.

Speak to the team

Sign in

Solution
Features
About
Resources
Legal
Follow us
Thrive Customer Support
hello@mythrive.co.uk(+44) 1452 922000
© Blackfinch Investments Limited 2025 All rights reserved
Join the Bite Thrive Newsletter

Handy hints to help your business & your team thrive

Get short, sharp insights on:
‍
✅ Boosting team productivity
✅ Enhancing employee benefits
✅ Smarter financial wellbeing
✅ Building a thriving workplace culture

Subscribe now and get your first newsletter!

HOW IT WORKS
How our calculator works
To use our Salary Sacrifice Calculator all you need to do is enter the number of employees, the average salary and the pension contributions from both sides at your company.

We’ll then work our magic and show you the potential savings you can make and how much more your team could have in their pensions.

Want to see how much your business could save? Use the calculator below.
A quick heads-up
Our calculator shows how salary sacrifice could work for your business, based on 2025/26 tax rules in England.

It’s not a replacement for financial advice. For tailored guidance, speak to a financial adviser or accountant.
How this calculator works
  • Based on Net Pay Arrangement (not for Relief at Source schemes).
  • Uses 2025/26 UK salary sacrifice rules.
  • For UK taxpayers only (excluding Scotland).
  • Salary must stay above the National Minimum Wage.
  • For UK taxpayers only (excluding Scotland).
What this calculator assumes
  • Your team is in a defined contribution scheme using Net Pay.
  • No one has exceeded their annual allowance limits.
  • No other income or pension contributions affect the results.
  • Pay and contributions stay the same all year.
A few things to know
  • Doesn’t account for joiners or leavers during the year.
  •  Uses UK tax bands for 2025/26 (not suitable for Scottish taxpayers).
  • Won’t accept contributions above the annual allowance, including carryforward.
Results may beinaccurate if any salary after sacrifice:
  • Falls below £12,570 (NI threshold).
  • Exceeds £200,000 (due to tapering of personal allowance).