Potential impact on take-home pay

These tables will help you estimate the impact that increased contributions will have on your take-home pay, allowing for the new tax bands and personal allowance applicable in 2019/20. The figures are only estimates, as your actual take home pay depends on your personal circumstances. If you’re not sure how you’re taxed or whether you pay your contributions by salary sacrifice, please speak to the pensions contact at your workplace.

England, Wales and Northern Ireland – non-salary sacrifice

Use this table if:

  • your earnings are taxed at the rates applied in England, Wales and Northern Ireland, and
  • you pay your USS pension contributions directly from your pay, not by salary sacrifice

England, Wales and Northern Ireland – salary sacrifice

Use this table if:

  • your earnings are taxed at the rates applied in England, Wales and Northern Ireland, and
  • you pay your USS pension contributions by salary sacrifice

Scotland – non-salary sacrifice

Use this table if:

  • your earnings are taxed at the rates applied in Scotland, and
  • you pay your USS pension contributions directly from your pay, not by salary sacrifice

Scotland – salary sacrifice

Use this table if:

  • your earnings are taxed at the rates applied in Scotland, and
  • you pay your USS pension contributions by salary sacrifice
Last updated: about 2 months ago