Employer Salary Sacrifice Calculator

Employer NIC Savings Calculator

This calculator shows how salary sacrifice could work for your business, based on 2025/26 UK tax rules. It’s not financial advice. For tailored guidance, speak to a financial adviser or accountant.

Number of employees: 50

Average gross salary: £30,000

Employee contribution (%): 5%

Employer contribution (%): 5%

Category	Value
Total Gross Salary
Employer NIC Saving
Total Annual Saving

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.

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 could:

Enhance your employee benefits package.
Reinvest them into your team’s pensions.

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.

More questions?

Talk to the Thrive team today. We're here to make things like salary sacrifice clearer, simpler, and stress-free.

Speak to the team

Salary sacrifice FAQs

If we haven't answered your question here, you can reach out to the team at any point on hello@mythrive.co.uk.

How much could my business save with salary sacrifice?

Use our calculator for an instant estimate.

Will this reduce my team’s take home pay?

No. They may pay less National Insurance, so take-home pay should stay the same while pensions grow.

What can I do with the employer savings?

That’s up to you! Reinvest into pensions, build out your benefits package, whatever you think will benefit your business.

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? Reach out to
our team on hello@mythrive.co.uk.

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.

Annual Results

Assumptions used in this calculator:

Important disclaimer:

Salary sacrifice explained

For your business

For your team

Annual Results

Assumptions used in this calculator:

Important disclaimer:

Salary sacrifice explained

For your business

For your team

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