📅 2025/26 rates applied. Employee income tax bands and NI thresholds are frozen vs 2024/25 — take-home pay is the same for most employees. The key change is employer NI rising from 13.8% → 15% (affects employer NI saving shown in Pension card). Switch to 2023/24 to see the impact of the 2024 NI cut (12% → 8%).
Take-Home Pay
£2,865.13/month
£34,382 /year
vs. without extra sacrifice: -£864/yr (-£72.00/mo)
Before vs After Extra Sacrifice
BeforeAfter
Monthly Net£2,937.13£2,865.13
Annual Net£35,246£34,382
Income Tax£6,401£6,161
Employee NI£2,528£2,432
Adjusted Net Income£44,575£43,375
Tax & NI Breakdown
Adjusted Net Income£43,375
Personal Allowance£12,570
Taxable Income£30,805
Income Tax£6,161
Basic rate (20%)£6,161
Higher rate (40%)£0
Additional rate (45%)£0
Employee NI£2,432
Marginal Tax Rate20%
Marginal NI Rate8%
Pension Contributions
Employee (salary sacrifice)£3,525
Additional AVC£0
Employer£1,395
Total Annual Pension£4,920
Monthly Pension£410.00
💼 Your employer saves £180/yr in NI from your salary sacrifice (15% employer NI rate). Ask if they pass this saving into your pension.
Savings from Extra Sacrifice & AVC
Tax Saved£240
NI Saved£96
Total Saved£336
Real Cost of Extra Contributions
Gross Contribution£1,200
Tax Relief-£240
NI Relief-£96
Real Annual Cost£864
Real Monthly Cost£72.00
📈 Pension Pot Projection
10 years
£61,883
20 years
£162,684
30 years
£326,879
Based on current total contributions of £4,920/yr. For illustration only.
🏠 Mortgage Affordability Impact
Based on gross salary£209,250
Based on post-sacrifice pay£193,388
Potential reduction£15,862
Some lenders use post-sacrifice salary for affordability. Check with your lender. Figures are estimates only.
ISA Allowance Tracker 2025/26
£0
contributed this year
£20,000
remaining allowance
£20,000
Annual limit
£0/mo
Monthly
0%
Used
💡 Set a monthly ISA contribution in the ISA Allowance section to track your £20,000 annual limit.