Also known as ‘Salary Exchange’ or 'Salary Saver', the Salary Sacrifice Online Calculator takes the hard work out of producing professional looking illustrations you can present to both your client and their employer. By offering your client this pension payment method they can potentially benefit from up to a 34% increase in their contributions at no extra cost to either themselves or their employer.

The software system is accessible online, producing a personalised five page report for your client in just a few minutes and with minimal data input. A REAL TIME SAVER.

The 'before and after' salary sacrifice calculations are presented in an easy to understand way so you can explain to your client and their 'employer' the benefits of this method of retirement planning.




For Higher Rate Tax Payers the system calculates the amount of tax relief they are entitled to reclaim beween basic and higher rate. Salary Sacrifice gives clients the extra relief directly into their paypacket or the opportunity to increase their contribution further.

There is also a potential benefit to the employer who has the option to retain some or all of the savings made by the reduction in employer national insurance contribution. If the employer elects to pass on 100% of the savings made to their employee then they themselves are no worse off.

Demo Salary Sacrifice
For a free hands on demonstration of the Salary Sacrifice System we have set up a fictitious company called ‘Retirement Planning UK’ which you can log in to by requesting the user name and password.

The System Demo allows you view and save the sample illustrations for both employee and employer as well as navigate through the sample data, however you are unable to add new data or create new illustrations prior to purchase.

Below is a handy tax calculator which can be used to show the percentage increase to be gained by salary sacrifice. Please enter the gross salary and monthly net pension contribution. The new gross salary after salary sacrifice as well as the illustrations are available in the full system.

If you enter a zero pension contribution it can be used as a simple tax calculator to show net take home pay. It defaults to the 2012/2013 tax year but you can change the year from the drop down at the top.

Should you require further information please call us on 0191 3702000.