PAY ROUTING INSTRUMENT2026/27 · ENGLAND / WALES / NI

SEE WHERE EVERY POUND GOES.

Test salary sacrifice, pension matching, benefits, student loans, a company car, employee shares and retirement assumptions together. Illustrative only; compare the result with your payslip and professional advice before acting.

PENSION SALARY SACRIFICE 5.0%

MONTHLY GROSS-PAY ROUTING BUS—

PAY / PAYROLL INPUTS—

PENSION / TIME INPUTS—

VEHICLE COST TRANSLATORGROSS ↔ NET

GROSS SALARY SACRIFICE—

NET TAKE-HOME COST—

PAYE + NI SAVED—PER MONTH

BIK TAX COST—PER MONTH

CONTRACTUAL GROSS—PER MONTH

TRUE NET COST—PER MONTH

ANNUAL TAX-BAND INTERCEPTVARIABLE PAY + BENEFITS + SACRIFICE

CURRENT TAXABLE INCOME—

£0TARGET ——

—

BEFORE PENSION—ANNUAL

PENSION NEEDED——

EXTRA FROM CURRENT—ANNUAL

TOTAL + EMPLOYER—ANNUAL

MINIMUM-WAGE FLOOR—ANNUAL CASH SALARY

SIPP OVERFLOW—IF PAYROLL CAP REACHED

CONTRIBUTION COMPARISON—

YOU %	EMPLOYER %	TAKE-HOME / MO	VS SELECTED	YOU / MO	EMPLOYER / MO	TOTAL IN / MO	PAYE / MO	NI / MO	LOAN / MO	REAL POT	RETIREMENT / MO

Each row holds the current vehicle’s solved gross deduction constant. Retirement figures apply the selected contribution for the entered contribution years, then the later contribution rate.

PENSION TIMELINE / INCOME CONVERSION—

AGE	YEARS AWAY	NOMINAL POT	TODAY'S MONEY	DRAWDOWN / MO	ANNUITY ILLUSTRATION	DEFINED BENEFIT	STATE PENSION	TOTAL / DRAWDOWN

The annuity column is a simple pot × entered annuity-rate illustration, not a market quotation. The total column uses drawdown, not annuity.

EMPLOYER EQUITY / MORTGAGE STRIKE PLANNERCASHLESS SAME-DAY SALE

NET CASH AFTER TAX—

MORTGAGE POSITION—

£0TARGET ——

OPTION SPREAD——

SHARE PROCEEDS—

EMPLOYMENT INCOME—ADDED THIS TAX YEAR

INCOME TAX—INCREMENTAL

EMPLOYEE NI—ONE PAYROLL EVENT

CGT + TRANSFERRED NI——

PAYOFF SHARE PRICE—SELECTED GRANTS

MORTGAGE COVERAGE—NET PROCEEDS / TARGET

OPTION GRANTS 0 ROWS

LABEL	GRANTED	EXERCISABLE	STRIKE	EXPIRY	SPREAD	ACTION

RESTRICTED / ORDINARY SHARES 0 ROWS

LABEL	GRANTED	SELLABLE	UNVESTED	VALUE	ACTION

Option spread and newly vested shares are modelled as employment income. Already-owned shares use the entered CGT basis. Exact scheme rules, withholding and employer-NI elections vary—check your grant documents and payroll.

DERIVED ENGINE TELEMETRYMOSTLY UNNECESSARY · ENTIRELY REAL

METHOD / SCOPE / SOURCESILLUSTRATION, NOT ADVICE

SCOPEEmployed PAYE income in England, Wales and Northern Ireland for 2026/27. Scottish rates, directors, multiple employments, benefits taper interactions and unusual payroll arrangements require a specialist calculator.

PRIVACYNo account, cookie, analytics identifier, local storage, database or calculator API. Values exist only in page memory. Cloudflare may process ordinary request metadata to deliver and protect the static files.

PENSIONDefined-contribution growth is deterministic, before uncertainty and sequence risk. Salary sacrifice cannot reduce cash pay below minimum wage. Annual allowance and carry-forward rules depend on individual circumstances.

EQUITYThe equity panel is deliberately simplified. Exercise, vesting, withholding, CGT basis, FX, employer NI and approved-scheme treatment must be checked against the actual award.

HMRC PAYE / NI STUDENT LOANS PENSION ALLOWANCES EMPLOYEE SHARES STATE PENSION AGE