| Per month | Now · 5% | At 6% | Difference |
|---|
| You pay in | £208.33 | £250 | +£41.67 |
| Less tax relief | £41.67 | £50 | +£8.33 |
| Less NI relief | £16.67 | £20 | +£3.33 |
| Cost to your take-home pay | £150 | £180 | +£30 |
| Employer adds | £208.33 | £250 | +£41.67 |
| Total into your pension | £416.67 | £500 | +£83.33 |
| Income tax | £582.17 | £573.83 | −£8.33 |
| National Insurance | £232.87 | £229.53 | −£3.33 |
| Take-home pay | £3,143.30 | £3,113.30 | −£30 |
Based on 2026/27 tax bands for England, Wales and Northern Ireland and employee National Insurance. Without salary sacrifice we assume a net pay arrangement. Your employer matches up to 6% of salary. These figures are estimates, not financial advice.
