Boost your take-home pay

with Salary Exchange

Increase net pay while saving more into your pension

Salary exchange is a simple change in the way your employer deducts your pension contributions. It allows you to have more money in your take-home pay and pension pot, at no cost to your employer.

Nearly everyone has the right to salary exchange, but only a small percentage of people do because most employers find it too complicated to administer.

Let’s look at how you benefit – and why you should ask your employer to make this administrative change on your behalf.

Why Salary Exchange

Salary exchange is a simple, administrative change to how your company manages workplace pensions. It costs the business nothing, reduces your tax liability – and is an easy way to help staff boost their retirement savings.

Boost take-home pay

By reducing the National Insurance you pay

Extra pension contributions

Save more for retirement at no extra cost to you or your employer

Easy pension management

It’s as easy as online banking with the Husky for Everyone app


Boost take-home pay now

Normally, your pension contributions come out of your net pay – that is, after income tax and National Insurance are deducted. With salary exchange, your pension contributions come out before tax. This means your taxable gross income is lower, so you pay less National Insurance – giving you more take-home pay. Your employer also pays less National Insurance, and they can put that savings into your pension.

The benefits of salary exchange – in figures

Let’s look at an example.

John’s gross annual salary is £30,000. He and his employer pay the legal minimum into his pension. This means that, each year, John contributes £1,188 and his employer contributes £712.8, for a total of £1,900.80.

When John switches to salary exchange, he gets:

  • £142.56 more in in his take-home pay
  • £163.94 more in his pension pot

And it didn’t cost his employer a penny.

Husky mobile app salary exchange calculator
Husky mobile app phone illustration

Have complete control with the Husky for Everyone app

With the Husky for Everyone app, it’s easy to see your potential savings from salary exchange. You get automatic access to the app when your employer uses Husky to set up salary exchange for you and your colleagues.

The app makes pension management as easy as online banking, so you see exactly:

  • How much you are saving
  • What tax benefits you’re accruing
  • How your savings are invested
  • How much you should be contributing based on your earnings and life stage

Download the app now and use the salary exchange calculator to figure out your potential savings!

Get more on your next payslip

Your employer has to set up salary exchange for you. The Husky salary exchange service makes the whole process easy, taking care of all the admin so it’s seamless for you and your company.

It works this way because key features – like pulling in your contribution information, setting up salary exchange and helping you choose schemes and funds – require coordination with how your company administers the workplace pension. Your employer gets a whole host of benefits through the Husky platform, too, from cost savings and admin simplicity to essential compliance management.






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