Cyfrifwch faint o dreth a Yswiriant Gwladol rydych chi'n ei arbed drwy wneud cyfraniadau aberthu cyflog i bensiwn, cynllun beicio i'r gwaith neu gynllun car trydan.
Based on 2026/27 tax rates. Salary sacrifice reduces your pensionable pay and may affect mortgage affordability, death-in-service benefits, and state pension entitlement. Always check your employment contract and take financial advice for large amounts.
Rhowch eich cyflog blynyddol gros
Defnyddiwch eich cyflog contractiol pennawd cyn unrhyw aberthu presennol.
Ychwanegwch y swm rydych chi'n bwriadu ei aberthu
Rhowch werth aberthu gros — cyfraniad pensiwn, cost misol EV × 12, cost pecyn beic.
Dewiswch y math o aberthu
Pensiwn, EV, beicio i'r gwaith neu feithrinfa yn y gweithle — mae gan bob un reolau ychydig yn wahanol a thriniaeth BIK.
Gweld arbedion treth incwm a NI
Mae'r cyfrifiannell yn dangos y dreth a'r NI rydych chi'n eu hosgoi (28% sylfaenol, 42% uwch) a chost net y budd.
Gwirio cydymffurfiaeth NMW
Rhaid i gyflog fesul awr ar ôl aberthu aros ar £12.71 neu'n uwch (NLW). Efallai y bydd angen i enillwyr isel leihau'r aberthu.
Ystyriwch effeithiau eilradd
Gwiriwch fforddiadwyedd morgais, SMP/SPP a cheisiadau morgais — mae benthycwyr yn defnyddio cyflog ar ôl aberthu fel tystiolaeth.
Salary sacrifice works differently for a contractor operating through their own limited company than for a standard employee. How employer pension contributions from company profit compare in 2026/27.
The part of the Cycle to Work scheme employers often skip explaining — the 'final value payment' or ownership fee at the end of the hire period, and how it's calculated in 2026/27.
How employer salary sacrifice electric car schemes reduce income tax and National Insurance in 2026/27, why the low Benefit-in-Kind rate is the key to the saving, and who it suits.
Disclaimer: All results are estimates for guidance only and do not constitute financial, tax or legal advice. Always consult a qualified professional.
