Salary Exchange Calculator
Salary Exchange Calculator
See how much you could save with salary exchange
£
Employee contribution: 5%
Employer contribution: 3%
| Before | After | Difference | |
|---|---|---|---|
| Gross Salary | £35,000.00 | £33,562.00 | -£1,438.00 |
| Income Tax | -£4,486.00 | -£4,198.40 | +£287.60 |
| Employee NI | -£1,794.40 | -£1,679.36 | +£115.04 |
| Pension (RAS) | -£1,150.40 | £0.00 | — |
| Take-Home Pay | £27,569.20 | £27,684.24 | +£115.04/yr |
Employee saves: £115.04/year in NI
Employer saves: £215.70/year in NI
Employees keep their NI saving as a take-home boost. Want to boost pension pots instead? Toggle NI reinvestment in Advanced settings on the Whole Scheme tab.
Want to implement salary exchange for your team?
Get a free, personalised salary exchange report for your scheme
Estimates based on 2025/26 HMRC tax rates. For illustration purposes only.
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