What’s going on?
Tell us the moment, and we’ll hand you the two or three sums that actually matter — answers first, no forms up front.
💼 New job offer — the sums, in the order they come up
The sums for this moment
- FIRSTWhat actually lands each month?Take-home pay — income tax, National Insurance and pension worked out on the new salary.
- THENCould sacrificing into a pension help?Salary sacrifice — the income tax and National Insurance a pension contribution could save, and its net cost.
- WHEN YOU'RE READYAre you capturing the full employer match?Employer match — the pension money on offer if you pay in up to your scheme's cap.
Or start from an answer — these are live: change the number, the answer follows. Each is a typical example to explore, not your figure.
£tap to change
you'd take home about £2,390 a month after income tax and National Insurance.
See the full working£tap to change
over 10 years at 4% (illustrative) it grows to about £14,700 — £12,000 of it yours, the rest earned.
Play with the years