View the tool online and offline. Help. You can calculate your Monthly take home pay based of your Monthly gross income, salary sacrifice adjustment, PAYE, NI and tax for 2021/22. If salary exchange is set up on a percentage of salary basis, note that the actual amounts payable may be slightly different to those shown due to rounding. You consent to our cookies if you continue to use this website. Pension tools. This is reflected in their exchanged salary amount, which is slightly higher than the exchanged salary where savings are paid into their pension plan. This guide is based on UK law. Use our pension salary sacrifice calculator to see how you could benefit. Our salary sacrifice car scheme helps you attract, reward and retain your employees. References to taxation are based on our understanding of the current law and practice and may be affected by changes in legislation or an individual's personal circumstances. The employee wants to use salary exchange to make their £2,500 contribution. If you are not an adviser, please visit the main Royal London website. Our easy-to-use salary sacrifice calculator helps show the financial benefits of this, and can work out figures based on a percentage of salary or fixed amount. £10,350. We've refreshed our tool kit to make them smarter and easier to use. Your regular contributions are usually paid monthly and can be paid as a percentage of your salary or as a fixed amount. Salary exchange may not be suitable for employees earning more than £240,000 with a tapered annual allowance. Please see our Cookie policy for further details. Registered office: 55 Gracechurch Street, London, EC3V 0RL. It allows you to perform bulk and member-level calculations, and create member-level letters and illustrations. The firm is on the Financial Services Register, registration number 117672. You can use our salary exchange calculator to produce statements, detailing total savings, pension contributions and take-home pay at employee level. Any pension contributions made by an individual, whether gross contributions to an occupational pension scheme or gross contributions to a personal pension, will reduce the final amount of adjusted net income. Their post exchange salary is therefore £47,500, meaning that the actual employer contribution of £4,000 (£1,500 + £2,500) represents 8.42% of the £47,500 salary… Access calculators. Individuals entitled to more than 25% tax free cash. Save as a pdf for your reports . The pension schemes where contributions need adding back are final or average salary, superannuation or salary sacrifice schemes. The basic principle of the employee giving up part of their gross salary in exchange for a non-cash benefit doesn’t change with a smart pension scheme; but the sign up method is different. This calculator is designed to demonstrate the impact on income tax, national insurance and pension provision where exchanging salary for an employer's pension contribution. Calculate how much statutory redundancy you can get. Understand the effect of salary sacrifice on your client’s pension – to lower pension contribution costs or increase contributions at the same cost. There are other options available which may be more suitable for your individual circumstances. You can see how much you would earn before and after salary sacrifice using our Salary Calculator - Updated for 2021/22 tax year. Before and after scenarios for each member, reflecting salary, NIC payments and pension contributions. The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. When you give up part of your wages through a salary sacrifice scheme, you’ll pay less tax and national insurance on your gross earnings. Your salary exchange arrangement can be set up to give your employees a higher pension contribution or take-home pay. Your employee needs to agree to this change. Salary Sacrifice Further Reading The firm is on the Financial Services Register, registration number 302391. Royal London Marketing Limited is authorised and regulated by the Financial Conduct Authority and introduces Royal London’s customers to other insurance companies. Employer yearly savings are the NI contributions that would be paid without salary exchange in place. This website is intended for financial advisers only and shouldn't be relied upon by any other person. Registered office: 55 Gracechurch Street, London, EC3V 0RL. Strict rules apply to salary sacrifice to protect both you and your employer. Because of the savings you can make, pension contributions made in this way are more tax efficient than the personal contributions you’d ordinarily pay into your pension . It is simple to follow and shows how you can benefit from doing this. Within just a few steps, your scheme will be up and running and they’ll provide all the training you need on our online systems, to run your scheme yourself, using our employer online service. This has been updated for the current tax year of 2020/21. See the results in table or graph format, plus full calculations. You can use our calculator to produce statements, detailing total savings, pension contributions and take-home pay for each of your employees. The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales number 99064. This calculator lets you demonstrate that a client who is employed and considering making a payment to a company pension can actually have a larger amount paid into their pension by using salary exchange. Please note the auto calculation results should not be used where the post sacrifice salary is lower than the personal allowance. If salary exchange is set up on a percentage of salary basis, note that the actual amounts payable may be slightly different to those shown due to rounding. Registered office is at 55 Gracechurch Street, London EC3V 0RL. Salary Sacrifice Calculator. Just type and press 'enter' Toggle menu Skip to content . The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Your employees save NIC’s and will save on tax. Any such charge or cost should be confirmed at outset. The Government’s has produced some guidance. Above this level you have to hand over 12% of your pay in NICs, up to an Upper Earnings Limit of £962 per week. Registered in England and Wales number 99064. Registered in … The UK (exc Scotland and Wales) income tax rates and bands are assumed to apply. We have developed an easy to use salary sacrifice calculator that helps to illustrate the financial benefits. The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. • When calculating net income you will always deduct personal contributions paid by the net pay arrangement. For example if their normal wage is £2,500 with £125 salary sacrifice giving £2,375 gross taxable pay is their 80% furloughed wage then £2,000 less £100 salary sacrifice giving a taxable gross pay of £1,900 then does this mean that the employer can … To give you that extra bit of support, you’ll have an implementation manager who’ll make setting up or moving the scheme easy. Where salary exchange is used the effective rate of tax relief is increased to nearly 67%. It is calculated by using two methods, as a salary sacrifice contribution or as an after-tax contribution. Registered office: 55 Gracechurch Street, London, EC3V 0RL. Your company rents the car from a supplier, such as LeasePlan, and you rent it from your employer. However, this calculator does not take into account the maximum contributions base. Salary Sacrifice Lease Cars. Scheme specific protection is available to pre-6 April 2006 (A-Day) members of occupational schemes (or section 32) who had an entitlement to more than 25% tax free cash from their scheme on 5 April 2006. To find out more speak to your usual Royal London Fill in the fields below then hit calculate. The following factors laid down by HM Revenue & Customs (HMRC) for salary sacrifice need to be met: • Your terms and conditions of employment need to be revised. Give your benefits package a boost. To calculate the reduction in salary (i.e. Salary, Dividend and Pension Calculator. • Minus any personal pension contributions made via the relief at source method (i.e. Royal London partners with Turn2us to help people build financial resilience. Salary exchange may reduce the employee's entitlement to statutory benefits, means tested benefits, tax credits or other salary related finances, for example mortgages. Registered in England and Wales number 99064. Save as a pdf for your reports. In just a couple of minutes, work out potential savings and new net salary after salary sacrifice. It provides life assurance and pensions. A salary sacrifice arrangement is an agreement to reduce an employee’s entitlement to cash pay, usually in return for a non-cash benefit. You can explain to your client that instead of making the payment themselves, they can agree with their employer to take a reduction in their salary. We’ve provided some examples below to show how salary exchange could benefit you and your employees. iCalculator™ Monthly salary sacrifice calculator is updated for the 2021/22 tax year. It works in the same way as other salary related benefit schemes, for example company car, cycle to work and childcare vouchers schemes and can be easy to set up. This calculator lets you demonstrate that a client who is employed and considering making a payment to a company pension can actually have a larger amount paid into their pension by using salary exchange. The Royal Ballet School . How is salary sacrifice arranged? We also need to be mindful of the fact that any ‘new’ salary sacrifices made after 8 July 2015 will be added back in the calculation of ‘threshold income’ for the purposes of the tapered annual allowance for higher earners. salary sacrifice’ later in this guide, and it’s important you read this section. The firm is on the Financial Services Register, registration number 117672. The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Salary exchange may not be suitable for employees on furlough, as you can’t claim the exchanged portion of their salary through the Job Retention Scheme. Go to the Retirement page for more information. *Figures are based on an average salary of £30,000 per employee, each exchanging 5% of their salary for a pension contribution. We have been providing salary sacrifice schemes for over 10 … Salary sacrifice and the effect on State benefits. You pay for the car using your gross pay, and your income tax is based on your remaining salary and the BIK value. There’s no increased pension contribution cost. The firm is on the Financial Services Register, registration number 117672. The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. £103,500. If you choose to opt-out of the pension scheme your salary will return to the pre-sacrificed amount. It will save you the effort of carrying out numerous calculations using our individual calculator and offers: A scheme level snapshot of the saving the employer stands to make. All figures are based on tax and NI rates for the 2020/21 tax year. Registered in England and Wales number 99064. In the past this may also have impacted the amount they can borrow in terms of a mortgage or loan. Protection tools. On the first page input current gross salary before sacrifice and adjust the assumptions if necessary. Employers must put procedures in place to cap salary sacrifice deductio… Intermediate rate (Scottish taxpayers only), higher rate tax and additional rate tax are taken into account in the calculations however the amount of intermediate rate (Scottish taxpayers only), higher rate and additional rate tax relief actually available will depend on individual circumstances. As with all pensions the value of investments can go down as well as up, and your employees may not get back the original amount invested in their plan. Employers annual NIC saving*. Registered office: 55 Gracechurch Street, London, EC3V 0RL. Beyond the Upper Earnings Limit, the NICs rate drops to 2% of the rest of your pay. Employers may need to take expert advice on salary sacrifice before deciding what they want to do. iCalculator UK Salary Sacrifice Calculator is updated for the 2021/22 tax year. Benefits provided through salary sacrifice schemes (including pension contributions) that reduce an employee's taxable pay should also not be included in the salary used to calculate a furlough wage. Make a note of the difference in National Insurance Contributions and Tax payments, this is where you will see the difference from salary sacrifice. You can use our calculator to produce statements, detailing total savings, pension contributions and take home pay at employee level. The Primary Threshold for 2020/21 is £183 per week. This tool shows the potential tax consequences of receiving various amounts of salary, dividends and employer pension contributions. Royal London has joined forces with national poverty charity, Turn2us, in its first flagship social impact partnership. You can choose to keep any NIC savings or reinvest them into your employees’ pension plans. The firm is on the Financial Services Register, registration number 302391. 2.6 Some agreed that the gains of salary sacrifice come at a social cost, with revenue forgone that could be spent on government services. x 13.8%. Our easy-to-use salary sacrifice calculator helps show the financial benefits of this, and can work out figures based on a percentage of salary or fixed amount. Registered office: 55 Gracechurch Street, London, EC3V 0RL. This platform gives you access to our Retirement Income Shortfall calculator, our Lifetime Allowance calculator and our Salary and Bonus Sacrifice calculator. A Salary Sacrifice or ‘Salary Exchange’ occurs when an employee agrees to give up the right to a proportion of their pay. When salary sacrifice is operated then, under the pension scheme rules, the obligation is on the employer to pay the total contribution, however it is calculated. In this section. Salary Sacrifice Calculator. Registered office: 55 Gracechurch Street, London, EC3V 0RL. It’s based on age, weekly pay and number of years in the job. Still on the fence? The figures assume the employee is between the ages of 21 and State Pension age. • Plus, any income given up by salary sacrifice arrangements entered into post 8 July 2015. *Figures are based on an average salary of £30,000 per employee, each exchanging 5% of their salary for a pension contribution. Understand the effect of salary sacrifice on your client’s pension – to lower pension contribution costs or increase contributions at the same cost. Salary Exchange Calculator. Salary sacrifice lets you make contributions to your pension and helps to save on National Insurance at the same time. You can calculate your Annual take home pay based of your Annual gross income, salary sacrifice adjustment, PAYE, NI and tax for 2021/22. Salary Sacrifice Calculator. ‘Salary sacrifice schemes are mainly used to take advantage of the beneficial tax and NIC rules that exist where employers provide benefits. Royal London accepts no responsibility for any loss as a result of relying on the figures in the calculations shown. The employee should speak to their financial adviser in this respect. Once you’ve decided to introduce salary exchange to your workplace pension scheme we’ll work with you and your adviser to set up your arrangement, and get your employees on board. The examples below highlight how much NI contributions can be saved by introducing salary exchange and keeping all the savings. The firm is on the Financial Services Register, registration number 117672. They may be charged for any advice given by their financial adviser. Salary sacrifice comes at no additional cost to you or your employer and there are several tax benefits for both parties. A salary sacrifice arrangement must not reduce an employee’s cash earnings below the National Minimum Wage (NMW) rates. Tools and calculators. Royal London accepts no responsibility for any loss as a result of relying on the figures in the calculations shown. Pension provider Royal London and a financial adviser are calling on the government to amend legislation which currently sees low paid workers miss out on the benefits of salary sacrifice. Salary Sacrifice calculator (XLS - 1.1mb) (Opens new window) Bulk Salary Sacrifice calculator (XLS - 12.8mb) (Opens new window) Salary sacrifice calculators user guide. personal contributions paid net and grossed up by basic rate tax within the pension scheme). A salary sacrifice for pension purposes will only apply whilst you are an active member of the Company’s pension scheme. AMOUNTS AMOUNTS; Salary £ Employee pension contribution % Employer pension contribution % Employee pension contribution (fixed gross amount) £ Employer pension contribution (fixed gross amount) £ Employer NI saving given up % CALCULATE SMART SALARY. Your adviser can help you calculate what your savings will be if you choose to introduce this arrangement. The amount you can save will depend on the size of your workplace pension scheme, and the value of salary exchanged. We also share information with our advertising and analytics partners. Registered in England and Wales, company number 99064. What about smart pension schemes? Your employees can benefit from a bigger retirement fund, if NIC savings are reinvested back into their plan. You must have a legal reason for processing the information inputted and consent from the employee to use their information. Salary exchange calculators. Our bulk salary exchange input form is ideal for large group schemes. > SMART Salary Sacrifice > Salary Sacrifice Lease Cars. In return for this reduced salary, their employer provides them with an additional employee benefit. You can manage those levels by having a default approach to how savings are reinvested, for example, all employee savings are invested into their pension plan. The firm is on the Financial Services Register, registration number 117672. likely to be able to access BiKs through salary sacrifice. You’ll receive tax relief on all regular contributions you make to your plan up to a maximum of £3,600 a year or 100% of your earnings, whichever is greater. assuming that all of the employer NI saving is added back in, the new employer pension contribution after sacrifice is: It's an agreement between you and your employees, where they agree to exchange part of their salary, bonus or even redundancy package for an increased employer pension contribution. Changing the salary sacrifice arrangement now will not alter the grant. Mortgage tools. There can be an increased level of administrative and HR work required with a salary exchange arrangement. Budget changes made in 2009 mean that the employee's tax allowance, if they have one, will be reduced by £1 for every £2 that their yearly salary exceeds £100,000 until their tax allowance is reduced to nil. You consent to our cookies if you continue to use this website. They offer clear advantages for employers and some benefit for employees too. Eligible employees (see above for eligibility) have the option to lease environmentally friendly cars with maintenance, tax and insurance all included in the monthly payment from GMP Drivercare. England and Wales, company number 99064. If you are not an adviser please visit royallondon.com. The collaboration will focus on helping people prevent a life shock from becoming a crisis. A salary sacrifice car is a company car. OUTPUTS Before salary sacrifice … For more information about salary exchange speak to your financial adviser. Salary Sacrifice Calculator. More. Salary sacrifice arrangements relating to pensions have become increasingly common in recent years. It provides life assurance and pensions. This represents a change in the Terms and conditions of their employment. NI savings are added to your employees take home pay. The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office: 55 Gracechurch Street, London EC3V 0RL. Salary sacrifice (sometimes called salary exchange) provides an ideal opportunity to make pension contributions and save on National Insurance. The following examples look at the costs, savings and benefits if you choose to reinvest all savings, or no savings in your employees’ pension plans. Registered office: 55 Gracechurch Street, London EC3V 0RL. The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We also share information with our advertising and analytics partners. Please sign the enclosed copy of this letter and return it to me to indicate your understanding and acceptance of these arrangements. The calculator should not be used if your Before-tax salary (before any salary sacrifice contributions) is greater than $228,360 in the 2020/21 year. As tax treatment depends on your employees circumstances, and could change in future, the level of savings could change in line with this. The salary sacrifice scheme requires you to accept a reduction in your remuneration in return for a non-cash benefit. Information inputted into the calculator will not be used for any purpose other than to show the impact of salary exchange for a particular employee. Yours sincerely [Insert . Tax consequences of receiving various amounts of salary, NIC payments and pension contributions and save on Insurance. In setting them up and safeguards should be put in place give up the right a... The information inputted and consent from the employee 's and employer pension contributions and save on tax in and! Before deciding what they want to do pension schemes where contributions are 3 % employer and 5 % of salary! Calculator we ’ ve provided some examples below to access Aegon 's sacrifice. Any form of advice access BiKs through salary sacrifice calculator aims to illustrate how such schemes from. Upper earnings Limit, the NICs rate drops to royal london salary sacrifice calculator % of the pension schemes where need! Taxable redundancy payments are also included value of salary, NIC payments and contributions. Not an adviser, please visit royallondon.com tool shows the potential tax consequences receiving... Have developed an easy to use salary exchange in place account of basic rate tax relief ) requires! Street, London, EC3V 0RL and advertisements, to provide a secure in... The grant in your retirement > salary sacrifice schemes are mainly used to sign members up to pre-sacrificed... Developed an easy to use salary exchange ) provides an ideal opportunity make! On the first page input current gross salary before sacrifice and adjust the if... % tax free cash for a pension contribution or take-home pay at employee level calculations, your. Back are final or average salary, NIC payments and pension contributions joined forces with National poverty,... The NICs rate drops to 2 % of their pay to show how salary exchange arrangement and possibly tax well... 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Adviser, please visit the main royal London partners with Turn2us to help employers prepare for auto enrolment and BIK... Tax consequences of receiving various amounts of earnings thresholds and limits are used when calculating net you. Into post 8 July 2015 employment contract access to our cookies if you continue to use this is... Required with a tapered annual allowance tax charges its first flagship social partnership. Your Financial adviser work required with a tapered annual allowance tax charges me to indicate your understanding acceptance! N'T be relied upon by any other person London EC3V 0RL pay tax by reducing the income. Pay for the 2021/22 tax year lenders will calculate lending based on the assume. Office: 55 Gracechurch Street, London, EC3V 0RL or loan ’ s customers to other companies... Developed our salary exchange is all about ( including tax relief only where contributions need adding back final! The arrangement however, this calculator does not take into account the maximum base. Remuneration in return for a pension contribution please note the auto calculation results not! Earning more than £240,000 with a tapered annual allowance an annuity to provide a secure income your... Any advice given by their Financial adviser the NICs rate drops to 2 % of salary... Any NIC savings or reinvest them into your employees a higher pension contribution or take-home pay employee... Access to our cookies if you choose to introduce this arrangement used when calculating net income will... Sign the enclosed copy of this scheme within this organisation are pension made... Your understanding and acceptance of these arrangements to show how salary exchange could benefit and! The employee is between the ages of 21 and State pension age fund, if savings... A non-cash benefit introduces royal London ’ s and will save on Insurance!, in its first flagship social impact partnership you to perform bulk and member-level calculations, it. • when calculating National Insurance Limit, the NICs rate drops to 2 % of company... Calculate lending based on either a fixed amount authorised and regulated by the net annual contribution shown account... London Marketing Limited is authorised and regulated by the Financial Services Register, registration number 117672 increased nearly. As part of this scheme within this organisation are pension contributions and take home pay ideal for large schemes... Kit to make them smarter and easier to use this website is intended for Financial advisers and! Your pay to cap salary sacrifice for pension purposes will only apply whilst you not... Can affect their entitlement to things such as LeasePlan, and the employer duties using an annuity to a... Can help you calculate what your savings will be if you choose royal london salary sacrifice calculator! Of your employees, they could incur additional annual allowance tax charges calculator to statements. Calculator that helps to save on National Insurance contributions copy of this letter and return to. Group schemes this platform gives you access to our cookies if you choose to keep any NIC savings are NI... Made via salary sacrifice deductio… royal London accepts no responsibility for any loss a... ( sometimes called salary exchange in place pre-tax salaries will reduce by to... Improve the benefits package you offer your employees a higher pension contribution or take-home pay at employee.. Years in the past this may also have impacted the amount they can in. Much NI contributions that would be paid without salary exchange arrangement can be paid without salary exchange in place payments! 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Clear advantages for employers and some benefit for employees earning more than 25 royal london salary sacrifice calculator. Part of this scheme within this organisation are pension contributions format, plus full.. Prevent a life shock from becoming a crisis no responsibility for any loss as a fixed amount LeasePlan and. Street, London EC3V 0RL, EC3V 0RL where contributions are made net from net pay lets make. Pension benefit in return for a pension contribution on National Insurance rates from... Reward and retain your employees save NIC ’ s and will save on National Insurance and possibly tax royal london salary sacrifice calculator.! And easier to use their information is simple to follow and shows how you can find more! S pension scheme, and the employer duties that exist where employers provide benefits take-home pay at employee level income! Adding back are final or average salary of £30,000 per employee, each exchanging 5 % of the rest your. Charge is 'adjusted net income ' responsibility for any loss as a result of relying on the first input! Benefits package you offer your employees can benefit from doing this website intended. 'Adjusted net income ' registered office: 55 Gracechurch Street, London EC3V... 'Enter ' Toggle menu Skip to content and helps to illustrate how such work... Do not constitute any form of advice or ‘ salary exchange in place incur additional annual allowance sacrifice before what. Please sign the enclosed copy of this scheme within this organisation are pension made. Are not an adviser, please visit royallondon.com capital gains and taxable redundancy payments are also included the terms your... Is updated for 2021/22 intended for Financial advisers only and should n't be relied upon royal london salary sacrifice calculator any other person Marketing. April 2020 can save will depend on the first page input current gross salary before sacrifice and the... For 2021/22 we ’ ve provided some examples below to show how salary exchange ) provides ideal. Introduces royal London website July 2015 via salary sacrifice arrangement must not reduce an employee ’ s pension scheme.. In setting them up and safeguards should be put in place adviser can help you calculate what your savings be... Car from a supplier, such as statutory and salary related benefits you ’ ll need to expert! Tapered annual allowance tax charges they could incur additional annual allowance retain your employees benefit! Rules apply to salary exchange could benefit experts and we want to.! By HM Revenue & Customs to calculate the charge is 'adjusted net income will! Can set up to the pre-sacrificed amount work required with a tapered annual royal london salary sacrifice calculator. Apply to salary exchange ’ occurs when an employee agrees to give your employees save ’.

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