UK Take-Home Pay & Pension Salary Sacrifice Calculator 2026/27
Model your net take-home pay under HMRC 2026/27 rules and evaluate how salary sacrifice contributions into a qualifying workplace pension reduce your taxable income and recover lost personal allowance.
Calculateur Salaire Net UK & Optimiseur Pension
Évitez le piège fiscal du taux à 60 % entre £100k et £125k grâce au Salary Sacrifice sur Pension.
Take-Home Pay Net
Personal Allowance Préservée
Économie d’Impôt Pension
Calculation Methodology
Calculations based on HMRC 2026/27 statutory allowances: Personal Allowance of £12,570 (tapered at £1 per £2 between £100,000 and £125,140), Basic rate 20%, Higher rate 40%, Additional rate 45%, and Class 1 National Insurance contributions (8% main rate, 2% above Upper Earnings Limit of £50,270).
Provides an itemized breakdown of monthly take-home pay, total PAYE deductions, retained personal allowance, and direct tax relief savings achieved through pension sacrifice.