Pension Growth Comparison (Scenario A vs B)
Scenario A
Scenario B
Assumptions: 2024/25 UK tax/NI bands (approx). Salary sacrifice reduces taxable pay & NI. Relief‑at‑source adds 25% uplift to contributions and lump sums; any higher‑rate relief reclaim not modelled. Lump sum treated as an upfront contribution at month 0.
Scenario A – projected pot
£0
Scenario B – projected pot
£0
Difference (B − A)
£0
Net income impact – A (today)
£0
Net income impact – B (today)
£0
Extra net impact (B − A)
£0
Gross into pot – A (emp + ER + uplifts)
£0
Gross into pot – B (emp + ER + uplifts)
£0
Compounding advantage (growth diff)
£0