Salary sacrifice car calculator UK
See how salary sacrifice could make your motoring costs more tax-efficient. Pay for your car and included running costs from gross salary, before Income Tax and employee National Insurance. Your estimate also allows for tax on the car benefit.
Calculate your savings
Enter your annual income, monthly salary sacrifice, and P11D value to see your illustrative payslip. The calculations update as you type.
Your income
Your annual income before tax and salary sacrifice.
Your car benefit
Use the figures from your employer’s car scheme quote.
Your illustrative payslip
Your payslip will appear here
Enter your annual income, monthly salary sacrifice, and P11D value to see your estimate.
What next?
Choosing your next car?
Compare electric and plug-in hybrid models for your shortlist. Availability through your employer’s scheme may differ.
Explore salary sacrifice carsFor employers
We help employers assess provider terms, programme costs and employee experience.
Discuss your car schemeBefore you decide
Your scheme may include insurance, servicing, tyres, and breakdown cover within the gross salary deduction. Check your quote for the exact package and any costs you pay separately, such as charging or fuel. Ask about mileage limits, additional charges, and what happens if you leave your employer.
For employers, check how manufacturer support, funding terms, scheme fees and any recoverable VAT affect the quoted deduction. The calculator illustrates the payroll effect of that deduction; it does not assess whether the underlying scheme price is competitive.
This is an illustrative monthly payslip using 2026/27 Income Tax and National Insurance assumptions. You can select car-benefit rates through 2028/29; other rates, bands, and allowances stay at 2026/27 levels. This is not a future payroll forecast or a vehicle quote. It models Income Tax, employee National Insurance and tax on the car benefit, not every deduction or personal circumstance. Confirm your final figures with payroll.
Official guidance: tax and National Insurance rates, Scottish Income Tax, and tax on company cars, 2028/29 car-benefit rates.