Pension Calculator
See how pension contributions affect your take-home and project your pot value.
Your Pension Details
£
%
£2,250/yr
%
£1,350/yr
Salary sacrifice reduces your NI as well as income tax — usually more tax-efficient.
Pot Projection
%
For illustration only — growth rates are not guaranteed.
Monthly Take-Home Impact
£2,858
vs £2,993 without pension (−£135/month)
Annual Contributions
Your contribution£2,250
Employer contribution£1,350
Total into pension£3,600
Your actual cost (after tax)£1,620
Sacrifice vs Relief at Source
Salary Sacrifice
£2,858/mo
Relief at Source
£2,843/mo
Salary sacrifice gives you £15/month more take-home.
Estimated Pension Pot
£239,180
After 30 years at 5% growth · £3,600/year total contributions