How can I change my deductions?
Usually, salary sacrifice amounts are fixed - but life happens, and we understand that! You can make changes for significant life events.
When you CAN make changes ✅
HMRC generally asks that salary sacrifice agreements stay the same during your employment, unless something significant in your life changes. This approach helps keep pension contributions and tax benefits consistent and fair for everyone. You can find more details directly from HMRC here.
That said, HMRC does allow for changes in certain 'life-altering' situations:
Personal changes:
- Getting married or divorced
- Having or adopting a child
- Serious illness or disability (you or dependents)
Financial changes:
- Pay rate changes
- Moving house or buying a home
- Major credit changes
- New tax year (6th April)
- Changing jobs or working hours
- Retiring / leaving a job
💡 Pro Tip: Consider a percentage deduction instead of a fixed amount - it automatically adjusts with your income, including holidays and leave!
How to make changes
- Fill out our Change Form - you'll need to explain why
- Our Pensions Team reviews your reason (must be a significant life change)
- Changes processed same working day and updates appear in your next payroll.
Need help deciding?
Want to see projected pay figures first? Email our friendly Onboarding Team at sales@nasagroup.co.uk - we'll run the numbers for you!
Have an IFA? Don't forget to let them know about any changes.
Just a quick reminder: these rules are here to keep things fair and protect your tax benefits—and we’re always here to guide you every step of the way!