Watch the minimum wage rule
Salary sacrifice can't take your pay below the National Living Wage, so lower bands may not qualify for bigger schemes.
Estimates only, using national rates. Your payslip and your employer's policies are what count.
Free calculator
NHS salary sacrifice calculator
Find out how much salary sacrifice saves you compared with paying from take-home pay.
Real cost to your take-home pay
£1,925
You save £1,075 (35.8%) compared with paying from net pay
Simplified: it treats the sacrifice as cutting both pensionable pay and taxable pay. Salary sacrifice can also lower your pension and some benefits. Check your trust's scheme rules.