• Thanks, thats helped and Im pretty sure I've got it now. The voucher will be for £1000 so minus the vat it will be £851, divide that by 12 gives me the monthly salary sacrifice of £70.91. So effectively I am being paid 851 less a year which save me £7 NI and £14 tax.

    This all means that I am really paying £49 a month for the lot which is £588! Bingo!

    So it really is a big saving then!!!

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