Free independent calculator · 2026/27
EV salary sacrifice car calculator UK
Estimate the effect of a quoted gross salary sacrifice on take-home pay, including employee National Insurance and the current 4% electric-car BIK rate.
Estimate the net cost shown in an EV salary sacrifice quote
Enter your gross annual salary, the gross monthly salary reduction shown in the illustration and the car’s P11D value. The calculator estimates the change in take-home pay and adds the electric-car BIK tax.
Compare the result with the full package, not only a headline lease payment. Salary sacrifice offers commonly include servicing, tyres, roadside assistance, insurance and early termination protection, but inclusions and employer contributions vary.
What goes in
What comes out
What still needs checking
Updated 15 July 2026
EV salary sacrifice calculator (2026/27)
1. Salary and tax region
Use annual contractual gross salary before sacrifice.
£75,000 per year
2. Quote details
Use the values shown in the employer or provider illustration.
£800.00 gross pay per month
Used to estimate the 4% EV BIK charge
3. Estimated result
Guidance based on the inputs and 2026/27 rates.
Estimated net monthly cost
£530.67
Includes estimated EV BIK tax of £66.67 per month at a 4% BIK rate and a 40% headline Income Tax rate.
Estimated reduction from the gross salary deduction
£269.33 per month
Approximately 34% of the quoted gross sacrifice.
Method and limitations
The estimate compares take-home pay before and after the gross sacrifice, then adds P11D value × 4% EV BIK rate × estimated headline Income Tax rate ÷ 12.
It uses 2026/27 Income Tax and employee Class 1 National Insurance assumptions. It does not reproduce PAYE payroll software or account for tax-code adjustments, pensions, student loans, benefits, minimum-wage constraints or every individual circumstance.
Source assumptions: HMRC 2026/27 rates and thresholds and company-car appropriate percentages.
For employers, the employee illustration is only one control
An employer review should also test the provider contract, employment addendum, payroll process, policy, early termination protection, vehicle and discount terms, governance and employee communications. The calculator can help identify illustrations that need closer review, but it is not a programme audit.
EV salary sacrifice calculator FAQs
Reviewing an employee car benefit programme?
We provide independent employer-side review of programme economics, contracts, supplier terms, governance, risk, payroll and employee communications.