For UK financial advisers only, not approved for use by retail customers. Click here for the customer website.

Salary Sacrifice Calculator

Understand the effect of salary sacrifice on your client’s pension – to lower pension contribution costs or increase contributions at the same cost.

  • See the results in table or graph format, plus full calculations
  • View the tool online and offline
  • Save as a pdf for your reports

Use PruAdviser Salary Sacrifice Calculator

Key features of our Salary Sacrifice calculator

Model different salary sacrifice scenarios

The main advantage of salary sacrifice, is to maintain existing pension contributions at a lower cost or to increase pension contributions at no extra cost. Enter details of salary, personal (relief at source) contributions and employers pension contribution to calculate the sacrifice required. You can even model different scenarios.

Available online and offline

Add this tool to your favourites and use it even when you’re not online.

Guidance, but not advice

The results of the tool are illustrative only and are in no way intended to be a recommendation for a particular course of action and do not constitute advice. The results are based on our current understanding of legislation and HMRC practice. But these might change without notice and the tool doesn’t take into account all of the possible circumstances that could impact your clients.

Learn more about salary sacrifice

Learn more about salary sacrifice and access a range of guidance from HMRC's Employment Income Manual.

Whilst you’re able to download this tool, we would always recommend using the version available online in case it changes.