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Autumn Budget 2025: What it means for salary sacrifice, cash savings and your team

The Autumn Budget introduces changes that will reshape how your team saves - from a new cap on pension salary sacrifice to a lower limit on tax-free ISA contributions. You might’ve seen the headlines, but most of the changes aren’t happening overnight. The ISA allowance drops in 2027, and the pension salary sacrifice cap won’t come into effect until 2029. That gives employers a valuable window to make the most of the current National Insurance (NI) savings, while laying the groundwork for what comes next. Here’s what you need to know about the Budget changes and how Thrive can help.

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Want to grow your pension pot? Discover 7 expert-backed tips to boost retirement savings - from contributions and salary sacrifice to smart investments - with support from Thrive.

Financial wellbeing support can no longer be optional as UK inflation stays highest in G7

Inflation in the UK is set to stay higher than expected. According to the International Monetary Fund (IMF), Britain is on track to experience the highest inflation in the G7 in both 2025 and 2026. Prices are on course to rise by 3.4% this year, and ease only slightly to 2.5% as we move into 2026. That’s still well above the Bank of England’s 2% target.

Thrive proudly sponsors the Lions at Large Cheltenham and Gloucester Trail 2025

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Financial wellbeing has evolved far beyond being a personal responsibility. Today, it’s an integral part of a company’s duty of care. Businesses that actively support the financial health of their employees enjoy tangible benefits: higher productivity, improved retention, and a more engaged workforce. But here’s the catch - financial wellbeing is about more than just paying a competitive salary. It’s about creating a framework of support, tools, and resources that allow employees to feel confident and secure in their financial decisions.

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Your Workplace Pension and Why It Matters

A workplace pension is one of the most important tools to help you save for retirement. Arranged by your employer, it’s a tax-efficient savings plan that supports your long-term financial wellbeing. In this UK pension guide, we’ll explain what workplace pensions are, how they work, and why they’re vital for your future.

Salary Sacrifice Pensions Explained: How They Work and Why They Matter

Salary sacrifice pensions are one of the smartest, most tax-efficient ways to boost your retirement savings - and they’re simpler than they sound. At Thrive, we believe in making financial wellbeing feel achievable.

Salary Sacrifice vs Standard Pension Contributions: What’s Best?

When it comes to pensions, the choice between salary sacrifice and standard pension contributions can feel confusing. At Thrive, we believe making smart financial decisions should be simple and clear. So let’s break down both options, highlight the benefits, and help you decide what’s best for you and your team.

Is Salary Sacrifice Right for You? Pros and Cons Explained

Salary sacrifice pensions might sound complicated, but they’re one of the smartest ways to boost your retirement savings and save on tax while you’re at it. At Thrive, we’re all about making money feel manageable, not overwhelming. So, here’s everything you need to know...

Autumn Budget 2025: What it means for salary sacrifice, cash savings and your team

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