What can I 支払う／賃金 for using my work salary sacrifice 計画／陰謀 -? 同様に as my gym 会員の地位?
I recently paid for a gym subscription through work 経由で salary sacrifice.
My company 支払う／賃金s the 年次の cost upfront and I then 支払う／賃金 支援する around £40 each month from my 甚だしい／１２ダース 支払う／賃金. It saves me about £10 off the usual 月毎の 会員の地位 料金 and I'm locked in for a year.
However, I 港／避難所't ever used salary sacrifice for anything other than for my 年金.
Can I buy other things through salary sacrifice like a phone or a car? It seems like it could save me a lot of money if it's taken from my 甚だしい／１２ダース 支払う／賃金, rather than take-home 支払う／賃金.
Work perks: The salary sacrifice 計画／陰謀 creates 税金 貯金 for 雇用者s and 従業員s
Angharad Carrick, of This Is Money, replies: When you join a workplace, you're usually 現在のd with a 名簿（に載せる）／表（にあげる） of 利益s, which will likely 含む 年次の leave, 年金 出資／貢献s, a bike-to-work sch eme, and public 輸送（する） season ticket 貸付金s.
But there may be more on 申し込む／申し出 and you could also be 申し込む／申し出d a salary sacrifice 計画／陰謀 for さまざまな things, 範囲ing from buying an electric car, to gym 会員の地位.
Salary sacrifice 許すs 従業員s to give up part of their 甚だしい／１２ダース salary, or 特別手当, in 交流 for a 非，不，無-cash 利益.
It is a ありふれた way for companies to run their 年金 出資／貢献s. And typically 雇用者s will 選ぶ to do this through salary sacrifice - or salary 交流 - because it is more 税金 efficient.
The money sacrificed from someone's salary is done pre-税金 and that saves on both 所得税 and 国家の 保険.?
On the 量 that the 従業員 sacrifices from their salary, they 支払う／賃金 no 所得税 and both 従業員 and 雇用者 支払う／賃金 no 国家の 保険 出資／貢献s.
For example, an 従業員 収入 £40,000 a year, who sacrifices £5,000 into their work 年金, will then only be paid £35,000 a year -? but £5,000 will go into their 年金 計画／陰謀. That £5,000 出資／貢献 has no 所得税 or NI paid on it.
In contrast, a 労働者 支払う／賃金ing into their work 年金 from 地位，任命する-税金 salary would get 25 per cent basic 率 税金 救済 on their 出資／貢献 - taking them 支援する to the position before 所得税 - but would have also paid 8 per cent 国家の 保険.
> How salary sacrifice and 年金s work: Steve Webb explains?
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Not everyone can qualify for salary sacrifice, though. The rul es say that you can't do the 計画／陰謀 if it means your salary 落ちるs below the 国家の 最小限 行う.
Salary sacrifice can also be used for 非，不，無-財政上の 利益s, with bikes and cars の中で the most popular items.
The Cycle-to-Work 計画／陰謀 許すs 従業員s to buy a bike through their 雇用者, spread the cost over 12 months and make some 税金 貯金.
There is a 類似の 計画／陰謀 for car 賃貸し（する）ing, with 支払い（額）s also covering road 税金, 保険 and 決裂／故障 cover. This is most 有益な for electric cars and has been 高度に popular.
Other items, like 動きやすい phones and computers, can also be paid for through salary 交流 but it depends on your 雇用者.
However, to stop people dodging 税金 by salary sacrificing as much of their life as they かもしれない can, there are 支配するs that mean you might have 税金 clawed 支援する through something called '利益 in 肉親，親類d'.?
These are known as 'taxable 利益s' - and relate to something 従業員s receive that aren't part of their salary.
年金s and cycling to work are seen as a good thing, so if you keep within the 支配するs 年金 出資／貢献s and bikes don't have a clawback. The 政府 is also keen to 促進する electric cars, so there is only a small 利益 in 肉親，親類d clawback.?
With other items, the 政府 is nowhere 近づく as generous. It can be difficult to work out what 適用するs 適用する to your circumstances.?
We asked some 専門家s for their advice on what you could use your work's salary sacrifice 計画／陰謀, and which might be liable for 税金.
Gym 会員の地位s can be 含むd in salary sacrifice 計画／陰謀s but it depends on your 雇用者
What can I salary sacrifice?
Steve 洞穴, 従業員 利益s director at Evelyn Partners, says: It really depends on the company-wide 利益s that your 雇用者 申し込む／申し出s, as this will 一般に 限界 what you can choose to 購入（する） 経由で a salary sacrifice 協定.
However, if you and your 同僚s are keen to see a salary sacrifice 協定 for a particular 利益 introduced, then it could be 価値（がある） 接触するing your HR or 従業員 利益s department to 表明する an 利益／興味 and enquire if it is a 可能性.
Salary Sacrifice is an 協定 between an 雇用者 and an 従業員 to change the 条件 of the 雇用 契約 to 減ずる the 従業員's entitlement to cash 支払う／賃金.
The 削減 of cash entitlement (甚だしい／１２ダース salary) is made in return for 非，不，無-cash 利益s which may 含む one or more of the に引き続いて:
- 付加 雇用者 年金 出資／貢献s
- Gym 会員の地位
- 動きやすい phones, laptops, and other 科学（工学）技術
- Company Cars< /li>
- Childcare 保証人／証拠物件s
- Health 審査 checks
- Workplace nurseries
- Cycle-to-work 計画／陰謀s
The more 甚だしい／１２ダース salary 交流d, the lower the taxable income and the higher the 貯金 realised from 所得税 and 国家の 保険 出資／貢献s (NICs).
Megan Rimmer, 借り切る／憲章d 財政上の planner at Quilter Cheviot, says: It is also 価値（がある） 調査するing the 保護 offerings 利用できる 経由で salary sacrifice.
You may be able to get 保護 政策s such as life 保証／確信, 批判的な illness, income 保護, health, and dental cover, の中で others, 経由で salary sacrifice which could help you save money compared to 購入（する）ing these 製品s どこかよそで, though it is always 価値（がある） shopping around to 確実にする you are getting the best 取引，協定 for your circumstances.
Wherever possible, you should 捜し出す professional 財政上の advice to 確実にする you are making the best possible choices for your 財政／金融s, 特に if you ーするつもりである to use salary sacrifice to lower your 税金 重荷（を負わせる） and/or 最高の，を越す up your 年金.
There are important allowances and thresholds to keep in mind, so it is best to 捜し出す professional support to 確実にする you make the 権利 決定／判定勝ち（する）s.
What are the disadvantages of salary sacrifice?
Angharad Carrick 追加するs: While you might be 得るing the 税金 advantages of salary sacrifice, it's not for everyone.
It may 影響する／感情 your entitlement to 明言する／公表する 利益s and other 利益s like life 保険, 特別手当 or （売買）手数料，委託（する）／委員会／権限 支払い（額）s.
Steve 洞穴 追加するs: Salary sacrifice can have an 衝撃 on anything that is linked to an 従業員's salary. Therefore, there must be a 枠組み (計画／陰謀 支配するs and governance) to 確実にする 可能性のある 問題／発行するs are 避けるd, and some modern 計画／陰謀s do take such steps.
For example:
- 制限s on low-income earners. 雇用者s aren't able to use salary sacrifice when it would 減ずる an 従業員's 収入s under the 国家の 最小限 行う.
- Salary sacrifice can 影響する／感情 従業員s' entitlement to 収入s-関係のある 事柄s such as 貸付金 使用／適用s; however, typically this can be 解決するd as most 貸す人s 要求する sight of payslips.
- Typically statutory maternity 支払う／賃金 is calculated based on 普通の／平均（する） 週刊誌 収入s so it could be 減ずるd if your 全体にわたる salary is 減ずるd.
- 利益s like group 'death in service' life 保険 and group income 保護
If you think you could be 影響する／感情d in any of these areas by a 削減 in salary, then before you enter into an salary sacrifice 協定 接触する your HR or 従業員 利益s people and check how the 計画／陰謀 is run, and whether such 問題／発行するs could arise.
Karen Barrett, 創立者 and CEO of Unbiased says: While salary sacrifice is useful, there are a few things to consider. For example, a 減ずるd salary may 衝撃 how much you can borrow with a mortgage or entitlement to some 利益s.
It's 価値（がある） checking with your 雇用者 how salary sacrifice will 衝撃 your 収入s before 調印 up.
What is a 利益 in 肉親，親類d?
Angharad Carrick says: Salary sacrifice is an 協定 to 減ずる an 従業員's entitlement to cash 支払う／賃金, usually in return for a 非，不，無-cash 利益.
However, 雇用者s also 申し込む／申し出 cash 利益s with no 税金 貯金, にもかかわらず it 存在 taken out of your 甚だしい／１２ダース 支払う／賃金.
These are items or services that are 購入（する）d to 利益 the 従業員 本人自身で and there is no identifiable 商売／仕事 目的.
For example, you will not have to 支払う／賃金 税金 and 国家の 保険 on uniforms or 保護の 着せる／賦与するing but you will have to 報告（する）／憶測 the 着せる／賦与するing if it's part of a salary sacrifice 協定.
The most ありふれた types of 利益 in 肉親，親類d that are likely to 背負い込む a 税金 告発（する），告訴（する）／料金 are 私的な 医療の 保険, accommodation, 貸付金s, 非，不，無-商売／仕事 costs for travel and entertainment, and a 乗り物 購入（する）d for the 商売／仕事.
It is the 責任／義務 of your 雇用者 to 報告（する）／憶測 this to HMRC.
Broadband & phones
Car 保険 取引，協定s
Travel 保険 取引，協定s
Home 保険 取引，協定s
