Updated With New 2012/2013 Tax Year Figures: For Independent Financial Advisers (IFAs) and Pension Advisers - our Salary Sacrifice software is a secure online database website/application that takes the hard work out of calculating and presenting a salary sacrifice/exchange scheme to your clients enabling them to benefit from an increased monthly personal pension contribution. After the scheme is put into place a monthly increase of up to 34% is possible even though the actual 'take-home' pay for the client and costs to their employer remain exactly the same