Guide
Holiday Buy and Take-Home Pay
Holiday buy is usually implemented as a salary sacrifice or staged pay reduction through payroll.
Quick answer
The simplest way to estimate it is to convert extra days into an annual pay reduction and then see how tax and NI change.
What to check
- The monthly drop in take-home is usually less than the gross annual cost divided by 12.
- Employer setups differ, so timing can vary slightly.
- Check whether your employer spreads the cost evenly or only across part of the year.
What to do next
- Model the extra days directly in the calculator.
- Compare the estimate with the first payslip after the scheme starts.
- Use the checker if the payroll deduction looks too large.
Try the tool
Use the checker if you already have a payslip. Use the calculator if you want to model take-home pay or salary-sacrifice changes before payday.