Tool · salary sacrifice

What would it really cost you?

Salary sacrifice lets you pay for an EV lease from gross salary, saving Income Tax and National Insurance. Drag the sliders to estimate your net monthly cost.

Your numbers
Annual salary£45,000
Monthly lease (gross sacrifice)£450
Car P11D value£33,000
Basic rateIncome tax 20% · NI 8%
Your estimate
£341/mo
Net cost after tax
£110/mo
You save
Net cost24% saved
Net (you pay)BiK tax £17/mo

Estimate only · 2025/26 England/Wales/NI bands · EV benefit-in-kind 3% · assumes the sacrifice stays within one tax band and ignores the £100k personal-allowance taper. Not financial advice — confirm with your scheme provider.

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gov.uk · company-car tax· Rates current to 2025/26 · Updated 15 Jun 2026