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See what you save through salary sacrifice. Every payment comes off your pay before tax and National Insurance.
The DASH Cycle to Work calculator shows how much you save when you buy a bike, take an all-inclusive e-bike subscription, or use DASH Flex for bike-share, all through salary sacrifice. It uses 2026/27 tax rates for England, Wales, Northern Ireland and Scotland, including National Insurance, the £100,000 personal allowance taper, employer-funded reductions, and the net VAT benefit on fully standard-rated subscriptions.
Used to check your pay can't drop below the statutory minimum wage after salary sacrifice.
Enter the total you give up each month through salary sacrifice arrangements, for example a salary sacrifice or "SMART" pension, an EV lease, or a tech scheme. Don't include tax, student loan, or pension contributions that aren't taken through salary sacrifice.
DASH Cycle to Work hire runs over 12 months, so the cost is spread across a year of pay.
DASH Flex loads a pre-tax balance you spend across Lime, Forest, Voi, Beryl, Santander Cycles and more, switching between providers anytime.
Flex is a rolling monthly balance, so this just projects the total. Stop or change it whenever you like.
The longer you commit, the lower your monthly price. Pick the plan that suits you.
Subscriptions are all-inclusive: insurance, unlimited repairs, lock and helmet. The total below projects your chosen plan length, and you can cancel at the end of the commitment.
If you have young children and earn near £100,000, salary sacrifice can be worth far more to you than the tax saving shown above, because of how government childcare support works.
Two schemes for working parents in England, Tax-Free Childcare (up to £2,000 per child each year) and the funded childcare hours, are both withdrawn once either parent's "adjusted net income" goes over £100,000. It is a cliff edge, not a gradual taper: at £99,999 you can keep them, and at £100,001 you can lose them. The limit applies to each parent individually, so one parent going over removes the support even if the other earns less.
The funded hours are quoted per week but only run for 38 weeks a year (term time), so "30 hours" means 1,140 hours across the year and "15 hours" means 570. Many nurseries let you spread these over all 52 weeks, which gives fewer hours each week for the same yearly total. The hours are per child, so each eligible child has their own entitlement, and the cash value depends on your nursery's hourly rate.
It depends on your child's age and your income. From the term after a child turns 9 months until they start school, working parents who each earn under £100,000 (and above the minimum threshold) get the full 30 hours. Separately, most 3 and 4-year-olds in England qualify for the universal 15 hours regardless of parental income. So if you go over £100,000: for a child aged 3 or 4 you drop from 30 hours to the universal 15; for a child under 3 there is no universal entitlement, so you can lose all 30 hours for that child. You would also lose Tax-Free Childcare for every child.
Yes, if the salary sacrifice arrangement reduces your adjusted net income and brings it below £100,000. Priya earns £104,000 and has a two-year-old in nursery. Because she is over £100,000 she gets no funded hours for the child and no Tax-Free Childcare. If she sacrifices £4,500 across the year (for example a higher-cost bike plus a salary-sacrifice pension top-up) her adjusted net income drops to £99,500. That can restore around 30 funded hours (often worth £5,000 to £10,000+ a year depending on local childcare costs) plus up to £2,000 of Tax-Free Childcare. With a second eligible child the support can roughly double, since both schemes are per child. In a case like this the childcare gain dwarfs the direct tax saving on the sacrifice itself.
This all depends on your wider circumstances, your number and ages of children, your partner's income and which schemes you use, so it sits outside this calculator. If it might affect you, it is worth checking the GOV.UK childcare pages or speaking to a financial adviser before deciding how much to sacrifice.
Childcare figures are for 2026/27 and apply to England; Scotland, Wales and Northern Ireland run their own schemes. Funded-hours cash values are rough estimates that vary by nursery and region. This is general information, not financial advice.
Cycle to Work is a salary sacrifice arrangement. The calculator starts with the retail value and solves for the lower gross salary sacrifice after employer-funded reductions. It then works out the Income Tax and employee National Insurance saved on that reduced sacrifice. Your net cost is the gross salary sacrificed less those employee tax and NI savings, and your total saving is the retail value less that net cost.
Rather than applying a single headline rate, this calculator works out your total Income Tax and employee National Insurance before and after the solved salary sacrifice and takes the difference. This correctly handles a sacrifice that straddles more than one tax band, Scotland's six bands, and the National Insurance thresholds, which do not line up with the Income Tax bands.
The calculator also models the personal allowance taper. Once income passes £100,000, £1 of the £12,570 allowance is lost for every £2 earned, until it disappears at £125,140. In that band the effective Income Tax rate is about 60% in England, Wales and Northern Ireland, or 62% with National Insurance. In Scotland the equivalent rates are about 67.5% and 69.5%, so salary sacrifice saves at a higher effective rate.
The calculator solves the equation: retail value minus employee salary sacrifice equals the actual employer National Insurance saving plus the applicable net VAT benefit. For most employees, employer National Insurance is 15% above the £5,000 secondary threshold for 2026/27. Employers pay 0% up to £50,270 for employees under 21 and qualifying apprentices under 25, then 15% above that threshold. The solver uses the selected age band and handles sacrifices that cross a threshold.
Subscriptions are modelled as fully standard-rated, with all associated input VAT recoverable and output VAT calculated on the salary foregone. The result shown is the net VAT benefit after output VAT, not the gross input VAT reclaim. Buy a Bike and DASH Flex currently assume no VAT benefit because their VAT treatment can vary; they still include the actual employer National Insurance saving passed on. Corporation tax is not included.
By law, salary sacrifice cannot reduce your pay below the statutory National Minimum or Living Wage, and the check is applied to your pay after all salary sacrifices combined. If a sacrifice would breach that floor, no saving is shown.
England, Wales and Northern Ireland Income Tax: 0% up to £12,570, 20% to £50,270, 40% to £125,140, 45% above. Scotland: 19% to £16,537, 20% to £29,526, 21% to £43,662, 42% to £75,000, 45% to £125,140, 48% above. Employee National Insurance (UK-wide): 8% between £12,570 and £50,270, 2% above. Employer National Insurance: generally 15% above £5,000; 0% up to £50,270 for employees under 21 and qualifying apprentices under 25, then 15%. National Minimum and Living Wage: £12.71 (21 and over), £10.85 (18 to 20), £8.00 (under 18 and qualifying apprentice).
Figures are estimates for the 2026/27 tax year. Exact savings depend on your personal taxation and your employer's scheme settings.