SaveYourPay — UK Tax & Pension Calculator

Work out the maximum you can sacrifice for the rest of the tax year while staying within the £60,000 annual allowance.

Calculator

All amounts in GBP. Inputs are saved each time you calculate.

Who is this calculator for? (and what it doesn't handle)

Designed for: UK employees on PAYE with a single employment, who pay their pension via salary-sacrifice through their workplace scheme.

Doesn't yet support:

  • Self-employed income — sole traders, partners, and limited-company directors paying themselves via dividends will see misleading numbers. The calculator assumes all income is via PAYE.
  • Multiple employments — for users with two or more concurrent jobs, tax codes and PAYE deductions don't combine in the way this tool models. Use HMRC's calculator or speak to your accountant.
  • Mid-year tax-code changes — assumes the entered tax code applies for the whole year.
  • Money Purchase Annual Allowance (MPAA) — if you've flexibly accessed a defined-contribution pension, your DC limit is £10,000 with no carry-forward. The tool's £60,000 figure won't apply to you.
  • Defined-benefit (final salary) pensions — input fields are written assuming a defined-contribution scheme.

This is not financial advice. Outputs are indicative only and rounded; HMRC's PAYE tables use slightly different rounding conventions. Always verify with payroll and a qualified accountant before acting.

% of (salary + bonus) the employer contributes annually.

Employee salary-sacrifice amounts already paid via payroll YTD.

How often you're paid.

Scotland uses different income-tax bands (19%, 20%, 21%, 42%, 45%, 48%).

Number of pay-runs left before the tax year ends 5 April. Default is calculated from today.

This is the total going into your pension this year — employer base + previous + your sacrifice + NIC top-up combined. Slider range £0–£60,000 (the annual allowance ceiling). Blank number field = "max for your situation" (currently £60,000.00). The calculator backs out the employee sacrifice needed to hit your chosen total.

Used for the example payslip. Default is 1257L (£12,570 PA).

Advanced (high earners): tapered allowance & carry-forward

Rental, dividends, savings interest etc. Used for tapering.

Unused allowance from previous 3 tax years (oldest first).

Tax code adjustments (Gift Aid, Child Benefit, taxable benefits)

Gross figure including basic-rate relief reclaimed by the charity.

For HICBC. £1,354.60 first child, £897 each additional (2026-27).

Medical insurance, company car, etc. — total cash equivalent.

Tax owed for a previous tax year that isn't already in your tax code.

Tax-saving investments (EIS, SEIS, VCT)

30% income-tax relief. Up to £1m/year (£2m knowledge-intensive).

50% income-tax relief. Up to £200,000/year.

30% income-tax relief. Up to £200,000/year.