A salary sacrifice calculator helps you estimate how much an EV or car will cost under a salary sacrifice scheme. It shows your expected monthly payment, your tax and National Insurance savings, and your estimated take-home pay impact. It’s designed to give you a clear, personalised cost comparison before applying.

Your employer leases the car from a funder, and you sacrifice a portion of your gross salary to cover the cost. Payments are taken before tax and National Insurance, reducing your taxable income. The car’s running costs like maintenance, insurance, and breakdown cover can be bundled into one fixed monthly amount. Driva manages the quotes, admin and employee support.

Eligibility is set by your employer, but typically:
- You must be a permanent employee (not a contractor or temp).
- You must earn enough after the sacrifice to stay above minimum wage requirements.
- Your employer must have an salary sacrifice scheme with a provider like Driva.
- Some employers may also set minimum employment length or credit criteria.

- Lower monthly costs due to tax and NI savings
- One simple monthly payment including running costs
- Access to new EVs with only 2% Benefit-in-Kind (BIK) tax
- No upfront payment
- Fully maintained vehicle for predictable budgeting
- Cost-neutral for employers and easy to administer
- Helps companies meet sustainability goals

Most drivers save 20–30% compared with traditional car finance like PCP, Hire Purchase, or PCH. If you choose an eligible EV, savings can be even higher thanks to low BIK rates and NI reductions. Your exact saving depends on your salary, the vehicle you choose, and your employer’s scheme setup. Driva’s calculator gives you a tailored breakdown.

The Driva schemes include:
- Lease rentals
- Insurance
- Servicing and maintenance
- Tyres
- Breakdowns and roadside assistance
- Road tax
- Optional accessories or upgrades
- Everything can be rolled into one fixed monthly gross deduction.

You can choose from a wide range of vehicles, including:
- Fully electric cars (most tax-efficient)
- Plug-in hybrids
- Traditional petrol/diesel models (availability depends on employer policy)
- Driva works with a large network of lenders and dealerships to secure highly competitive pricing.

Most employers are open to it because it’s cost-positive due the national insurance savings and supports employee benefits and sustainability goals. Your employer simply needs to set up a scheme with a provider like Driva. We guide them through compliance, payroll setup, and onboarding.

1. Provide your employer details so we can set up a scheme.
2. Get a accurate Driva quote to see your savings and take-home pay impact in your sal sac protal.
3. Driva secures pricing across lenders and dealerships.
4. Employer approves your lease request.
5. Payroll updates your salary deductions.
6. Vehicle delivered or collected, and you’re ready to drive.

If the vehicle has damage beyond what the BVRLA defines as fair wear and tear, you may be charged for repairs or restoration. These fees vary depending on the funder and the type of damage. Driva will help you understand any potential charges before returning the vehicle.

If you exceed your agreed mileage allowance, you’ll be charged an excess mileage rate at the end of the lease. This rate is set by the funder and typically depends on the vehicle type. You can avoid unexpected fees by selecting a realistic mileage upfront or adjusting it during the lease if allowed.