Rental & Salary Sacrifice Scenario Calculator

This calculator models a plan to keep both partners' adjusted net income (ANI) below £100,000, protect eligibility for 30 funded childcare hours, and understand the after-tax cashflow from renting out a property through a managed letting agent.

It brings those moving parts together to estimate extra pension sacrifice needed, expected after-tax rental cashflow, and the break-even rent required for the plan to be sustainable.

UK simplification used (England/Wales/Northern Ireland): retention above £100,000 is treated as 38% in the £100,000–£125,140 band and 53% above £125,140. Planning model only, not formal tax advice. More info