Example
Salary sacrifice on GBP 45,000
A worked example near a common negotiation band where pension salary exchange can still change the net picture meaningfully.
Scenario
At GBP 45,000, salary sacrifice still creates visible tax and NI savings while keeping the maths accessible for planning.
Practical takeaway
This is often a helpful comparison point for people deciding between higher disposable income today and stronger pension funding.
How to use PayPath here
Run the relevant calculator for your live numbers, review the methodology if the assumptions matter to your decision, and save the strongest scenarios in the workspace if you are comparing more than one option.