NI on Salary Sacrifice Calculator (2029) Trending
Compare current salary sacrifice NI savings vs proposed 2029 rules. See how much you'll lose.
Current Rules
£1,400.00
Tax: £1,000.00 + NI: £400.00
Net cost: £3,600.00
From April 2029
£1,000.00
Tax only: £1,000.00
Net cost: £4,000.00
You'll Lose
£400.00/year
in NI savings from April 2029
Proposed change (April 2029):
Employee NI will be charged on salary sacrifice pension contributions. Currently you save both tax AND NI. After 2029 you'll only save tax. Salary sacrifice will still be better than relief at source, but the advantage shrinks significantly.
Disclaimer
This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.