Take control of your money
One platform to track, plan and grow your financial wellbeing.
Think financial wellbeing. Think Maji.
If your employer signs up to Maji
Rated Excellent by our users
What is Maji?
Maji is a financial wellbeing platform that gives you the tools, coaching and guidance to feel confident about your money – whatever your situation.
You’ll feel less stressed, better informed, and more in control of your future.
How Maji helps you…
Use salary sacrifice to lower your NI & tax
Maji offers six types of salary sacrifice scheme, all designed to reduce your tax bill by paying for everyday benefits straight from your gross salary. See what you're eligible for and what it's worth to your take-home.
Book a 1:1 session with an expert
Book sessions with a dedicated qualified financial coach or advisor - whoever is right for your situation. People who receive financial advice are, on average, £47,000 better off over their lifetimes.
Improve your money score
Get a clear picture of your financial health and a personalised coaching plan with practical steps to improve it. People who set clear financial goals are around 10 times more likely to achieve them.
See all your accounts in one place
Add your current accounts, savings, investments, loans and pensions in just a few taps. There are over 1.6 million lost pension pots in the UK worth more than £20 billion - Maji helps you find and track what's yours.
Take control of your financial future
Build a long-term financial plan and review it with one of Maji's vetted financial experts. 83% of people with a written financial plan feel better about their finances after just one year.
Become a money expert
Follow Maji's money curriculum and join live monthly masterclasses covering the topics that matter - from saving for a home, to clearing debt, to making the most of your pension.
How to get Maji
Earn up to £500 when your employer signs up!
Not on Maji yet? You can change that – and get rewarded for it. Leave your details below and we’ll reach out to your employer on your behalf. If they sign up, you’ll receive up to £500 as a kick start to your financial wellbeing journey.
Get up to £500 if your employer signs up to Maji
Share your details and we'll let your employer know you're interested in getting Maji
Get Maji by yourself
Are you self employed or don't think your employer will offer Maji? Join the waitlist to get your account.
How much could you save?
Pension contributions are one of the most popular salary sacrifice schemes – and one of the most powerful ways to put more money in your pocket each month. Use the calculator below to see how much you could save if your employer offered Maji.
What’s your current age?
What’s your annual salary?
When do you plan to retire?
YOU COULD YOU SAVE
£2,430
In total until you retire based on you saving 10% of salary every year
If your salary increases even by inflation or you increase your savings rate, the saving you can make are likely to increase as well !
Testimonials
FAQs
Does salary sacrifice mean I take home less money?
No – it’s actually the opposite. Because your taxable salary is reduced, you pay less National Insurance and potentially less income tax, which means your take-home pay goes up.
Will it affect my mortgage application?
In most cases, no. Most lenders base their affordability assessment on your gross or take-home pay, both of which work in your favour with salary sacrifice. If a lender does query it, your employer can provide a letter confirming your pre-sacrifice salary.
Does it affect my other benefits, like life insurance or sick pay?
Most workplace benefits such as life insurance and critical illness cover remain linked to your pre-sacrifice salary, so you don’t lose out. It’s always worth checking with your employer to confirm.
Can I opt in and out?
For most schemes, yes. Pension salary sacrifice is usually flexible and you can change your contributions at any time. Schemes with an upfront cost to your employer – like an electric car lease – may have a minimum term. Your employer will be able to confirm the rules for each scheme.
What if my salary is on the lower end?
Salary sacrifice can’t reduce your earnings below the National Minimum Wage or the Lower Earnings Limit (£6,396 per year). Your employer is responsible for making sure this doesn’t happen. If salary sacrifice isn’t suitable for your income level, there are usually other financial benefits available to you.
What happens if I leave my job?
Your salary sacrifice arrangement ends on your last day. For longer-term benefits like an electric car lease, there may be additional steps to take – so it’s worth understanding the terms before signing up.
How do I know if my employer already offers salary sacrifice?
Check your payslip – if your pension contribution appears as a pre-tax deduction rather than a post-tax payment, you’re likely already in a salary sacrifice scheme. Your HR or payroll team can confirm.
My employer doesn't offer it - what can I do?
You can refer them to Maji. Share your details and we’ll reach out to your employer on your behalf. If they sign up, you could earn up to £500 as a thank you.
