Maximise savings from pension salary sacrifice, in 1 hour.
We help SMEs change their existing pension to a salary sacrifice arrangement, quickly and with no hassle.
Get our guide to implementing financial wellbeing!
Rated Excellent by our customers
Join the growing list of companies offering Maji
Elevate your pension scheme
Reduce
Reduce NI tax bill by up to £1,300 per employees per year
Give
Give employees a pay rise of up to £600 per year
Simplify
Give higher rate tax paying employees full tax relief (no more self assessment tax returns!)
Save money and time with Maji
Maji is the UK’s leading digital salary sacrifice scheme manager – making it simple for you to benefit from HMRC’s tax reductions, and engaging employees in their pensions to maximise mutual savings.
YOU COULD YOU SAVE
£2,430
a year based on a minimum employee contribution of 5% of salary.
What’s more, through Maji’s coaching if your employees increase their savings to the recommended level of 10-12%, it will more than double your savings!
About salary sacrifice
Pension salary sacrifice, also known as pension salary exchange, is a scheme run by HMRC that involves a simple administrative change to how pension payments are made. This saves you and your employee’s money by lowering your National Insurance tax bill. It’s one benefit that’s a no-brainer to offer!
Read more 
Employees can also salary sacrifice their nursery fees
The workplace nursery scheme allows employees to pay for their children’s nursery fees on a salary sacrifice basis.
Read more
How Maji helps with salary sacrifice
Quick and easy digitised process
Maji’s digital process lets employees consent with one click, stores all your records electronically and generates automatic contract addenda when necessary. No more paperwork!
Get our guide to implementing salary sacrifice!
Value for money
We cost less than a coffee for each employee a month. And due to our behavioural nudges and expert coaching, you can double your cost savings from salary sacrifice.
Read about the pitfalls to avoid for a successful salary sacrifice switch
Full support for employees
Personalised calculations, communications and an employee workshop ensure your staff feel fully supported. We also take care of your employees’ queries – employees can chat to us anytime, anyplace. Plus easy onboarding for new joiners into the scheme.
Maji makes your pension better too!
Personalised video
77% of employees want more help to understand their pension.
Introduce employees’ pension scheme with a personalised explainer video that brings your provision to life.
Guidance and coaching
1 in 3 employees don’t know how much to save.
Let Maji’s accessible tools and calculators help employees create a clear savings plan and feel confident about their future.
Contribution rate control
The default rate of 8% is only 50% of the recommended savings rate.
Make it easy for employees to save more. One click savings options let them take control of their financial planning.
Smart tech
‘Save more tomorrow’ has helped 15 million people in the US boost their retirement savings so far.
Help employees achieve their long term savings goals with Maji’s unique ‘set and forget’ tool that auto increases their contributions annually.
Maji embeds the pension into an employee’s financial journey, improving engagement through a holistic financial planning experience, coaching journeys, connection with financial experts and masterclasses.
View all the key features you get as part of a subscription.
What others say
In the current climate, supporting our employees’ financial wellbeing feels like a priority. Maji gives them so many useful tools and resources that I know they’ll find helpful, such as the ability to track their spending using open banking
Ian Pettifor
Chief Financial Officer, Genasys Tech
As a positive impact organisation and B Corp, we really believe in workplace wellbeing for our employees. Setting up Maji for our team was an easy decision; it helps them navigate important financial milestones like buying a home or saving for an emergency fund
Burphy Zuma
Director of Operations, Clearview Research
We wanted to introduce a holistic financial well-being benefit designed to inform and support our employees in the UK, guiding them through their financial journeys. We're excited to work with Maji, empowering our employees to take charge of their finances and achieve their goals
Jenna Haill
People Partner, Tarabut
Maji’s features
| FEATURE | |
|---|---|
| Digital salary sacrifice scheme manager | ✓ |
| Personalised video introduction to pension scheme for each employee | ✓ |
| Workplace pension engagement information and coaching | ✓ |
| Contribution rate control making it easy for employees to model and adjust savings | ✓ |
| Smart technology to auto increase employee contributions | ✓ |
| Financial education centre (money guides and step by step coaching) | ✓ |
| Live balance tracking for bank accounts, savings and investments, loans and mortgages, pensions and property | ✓ |
| Financial health assessment and personalised improvement plans | ✓ |
| 1-1 support from vetted financial advisors, mortgage advisors and coaches | ✓ |
| Advanced retirement and financial planner | ✓ |
| Employer benefit package promotion | ✓ |
| Employer analytics | ✓ |
| Powerful employer analytics | ✓ |
Frequently Asked Questions
What is Salary Sacrifice?
Salary sacrifice is a voluntary arrangement where you agree to reduce your gross salary in exchange for a specific benefit provided by your employer.
What are the Benefits of Salary Sacrifice?
Salary sacrifice can help you save on tax and National Insurance contributions, and it can also provide access to valuable benefits like company cars or pensions.
What are the Potential Drawbacks of Salary Sacrifice?
Salary sacrifice can reduce your overall income and may affect certain benefits like statutory sick pay and maternity/paternity pay.
Is Salary Sacrifice Right for Me?
To determine if salary sacrifice is suitable for you, consider your financial situation, the specific benefits offered, and any potential implications.
