💰 Pension Contribution Calculator
Calculate your workplace pension contributions, tax relief, and retirement projections for night shift workers. See how night shift premiums boost your pension.
Understanding Workplace Pensions for Night Shift Workers
Auto-Enrolment Minimum
UK law requires minimum 8% total contribution (5% employee, 3% employer) for workers earning over £10,000/year. Many employers offer more.
Salary Sacrifice Benefits
Salary sacrifice saves both income tax (20%) and National Insurance (10%), making it more tax-efficient than relief at source for basic rate taxpayers.
Night Shift Premiums Should Be Pensionable
If your night shift premium is a regular part of your pay, it should be included in pensionable salary. Check your contract and ask your employer if unsure.
Find Night Shift Jobs with Great Pension Schemes
Looking for employers who offer generous pension contributions? Browse verified night shift employers.