PENSION SALARY SACRIFICE CALCULATOR
Upgrade your pensions with salary sacrifice. Savings for your employees and your business.
Our customers use salary sacrifice NIC savings to reinvest into a better benefits strategy while helping their employees' wages go further.
Pension Salary Sacrifice Calculator
National Insurance savings calculator pre and post 2029
EMPLOYER
ANNUAL NIC COST
Now
Apr 2029
(£2k cap)
EMPLOYEE
ANNUAL NIC COST
Now
Apr 2029
(£2k cap)
COMBINED NIC SAVINGS
Now
Apr 2029
(£2k cap)
The Apr 2029 column is calculated assuming the NI savings benefit is lost on the portion of the employee contribution that exceeds £2,000 annually, according to the Budget Announcement from Nov 26th 2025.
*NIC = National Insurance Contribution
centralise and modernise your benefits
Mintago is a complete employee benefits platform.
Salary sacrifice can support SMBs build a diversified benefits strategy. We believe benefits should be supportive in life's key moments, no matter the age or salary band.
SAVE MONEY. SAVE TIME. SAVE TALENT.
Take advantage of the optimal savings before 2029, with pension salary sacrifice.
Speak to an expert about how you can attract, retain and engage your most expensive asset: your people.
The latest updates on Pension Salary Sacrifice:
Rachel Reeves gives you the greenlight
45 second video
See the savings for you and your employees between now and 2029.
30 second video
IFAs say... "Fill your boots".
Is pension salary sacrifice still worth it? – Absolutely, Rachel Reeves said it herself.
We asked more than 200 HR and Finance professionals their top questions after the Autumn Budget. We’re back with the answers.
There’s a pensions crisis coming. Employers can’t afford to wait any longer.
1 in 5 midlife employees say pension worries are negatively affecting their ability to work. Employers are starting to wake up to this crisis.
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