@mouthy.money.news: Here is the part that surprises people. Sacrifice 5% of an £80,000 salary and you save £80 a year in National Insurance. Do the same on £28,000 and you save £112. Employee National Insurance drops from 8% to 2% above £50,270, so the higher earner gets less out of it in actual cash. That is also why the people on £45,000 to £50,000 lose the most when the £2,000 cap lands in April 2029. HMRC counts 7.7 million people using salary sacrifice for pensions. 3.3 million of them go over the cap. Full numbers and podcast on the Substack. #salarysacrifice #pension #tax #moneytok#PersonalFinance

Mouthy Money News
Mouthy Money News
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Region: GB
Wednesday 09 September 2026 18:00:00 GMT
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im.gonna.say.it
Swim Shady :
can you talk about the 2 type of private pension schemes: defined benefit and defined contribution please?
2026-09-11 07:05:38
0
jeff.little6
Jeff Little :
not many companies pay that now..
2026-09-11 18:15:12
0
autumnnights197
Summerlover197 :
The government told us to save for our retirement and now they’re going to take NI off us, they’re a joke.
2026-09-09 21:08:47
49
puddymuddles
Queen Of Revelations :
Tax corporations on EBITDA, not profit.
2026-09-11 06:24:06
0
gomboli
Claudio Gomboli :
So it’ll be taxed twice, the second time when we take it
2026-09-09 20:31:56
20
shadowbrightcosplay
ShadowBrightCosplay :
anything but tax the rich 😮‍💨
2026-09-10 11:06:53
20
jojobirday
Jojo :
i literally will die working.....
2026-09-10 07:21:15
39
deadeyejimmy
James :
So are they going to tax it at the other end then aswell when we take it out?
2026-09-10 08:54:39
5
bob19739
bob19739 :
U.K. is the place that doesn’t want you to progress in life. Just tax and tax and more tax.
2026-09-10 18:08:09
23
rawdog252
RAWdog :
Lower your contributions! SPEND YOUR money!!
2026-09-10 05:50:09
4
appleuser5451507
AppleUser5451507 :
I know people who were in the 40 percent tax bracket who salary sacrifice to get taxed at 20 %
2026-09-10 07:17:45
3
truezplaya
truezplaya :
They are just kicking themselves in the arse because pensions will have less in them in the future
2026-09-10 08:28:38
4
ah.media01.gmail.com
[email protected] :
What does the government do with all the tax collected
2026-09-09 22:08:41
2
mackalisayed
mackalisayed :
so hang on a sec. when we retire and take pension will it be taxed again??
2026-09-09 22:10:39
1
webo526
webo :
so what will we be paying extra?
2026-09-09 20:20:12
1
leomess10.10
LeoMess10 :
your explanation was complicated
2026-09-09 22:37:03
3
urbash55
urbash55 :
I’ve taken advantage of this tax scam for decades 👍😝
2026-09-10 16:29:28
0
zippyfromrainbow
Zippy :
I packed up & left. No worries for me in the UAE.
2026-09-10 02:09:59
2
rusky117
Rusky82 :
right now its an incentive for workplaces to offer salary sacrifice so a lot do and add into your pension on top because they save this is going to stop that so workers are going to loose NI on pensions contributions AND probably loose the additional %that employers are putting in because now they have to pay NI like normal
2026-09-10 05:17:57
5
robertmcdonald109
Robert McDonald286 :
Is there a way to get round it?
2026-09-09 18:18:00
0
beemerdude
user2680195324558 :
Is it best to try to overpay into my pension before this happens then
2026-09-09 22:47:44
2
mike.ockstinks
MO :
so they are goung to tax pensions twice?
2026-09-10 17:50:58
1
ziotler
Ziotler :
well that's salary sacrifice dead in the water
2026-09-11 14:01:29
1
pinkyandthebrainpower
user3474794080942 :
Of course my bracket is worse off.
2026-09-10 06:38:37
2
jeffmcl1
jeffmcl1 :
LieBour are unbelievable 🤦‍♂️
2026-09-10 11:45:21
1
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