UK pay tool
See exactly how a pay rise, bonus, or extra pension lands in your pocket - not just on paper.
Current
Proposed
Take-home delta
£3393
per year
Pension pot delta
£250
per year
£-per-£ efficiency
68%
of gross uplift hits net pay
Based on the figures provided. Above the £100k PA taper, swapping cash for pension may improve effective rate. This does not prove a specific strategy is right for you.
£50k -> £55k, both 5% pension, salary sacrifice on. Take-home up ~£2,950/yr, pot up £250/yr. Efficiency 59%.
> 60% efficient
Strong cash uplift.
40-60%
Higher rate or PA taper biting.
< 40%
PA taper or additional rate - consider pension swap.
£105k -> £110k pure cash. Marginal effective rate ~60% (PA taper) - net up only £2,000.
£105k -> £105k cash + £5k extra pension via sacrifice: net same, pot +£5k. Often more attractive.
Tax + NI + pension take a cut of every uplift. Above £50,270 the cut grows.
Above £100k cash is taxed harder by the PA taper - extra pension may appear more efficient. Personal circumstances vary.
Treated as ordinary income at your marginal rate. We model it added on top of gross.
Not yet - rest-of-UK bands only.
Most large employers offer it for pension, EVs, cycle-to-work. Confirm with HR.
Sources
Last verified: 2026-05-03.
Disclaimer: Educational only - not tax or financial advice.