# Salary Sacrifice Comparator AI Agent Connect > Salary Sacrifice Comparator helps you decide if giving up gross salary for benefits like pensions or electric vehicles actually pays off. It models the impact on your monthly take-home pay and long-term wealth. Connect it to your AI client to run complex tax and pension scenarios in seconds. ## Overview - **Category:** productivity - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_LCQnGICo0W6tVFNPwkTookiH9hYL4mPbYsbDN8nM/ai-agent-connect - **Tags:** tax, salary, pension, compensation, finance ## Description Deciding between a higher cash salary and a benefits package is rarely straightforward. This MCP gives your AI client the math it needs to evaluate salary sacrifice arrangements. Instead of guessing how a new company car or a larger pension contribution affects your bank account, you can run precise models. You can see how progressive tax brackets shift your liability and how much your monthly cash flow changes when you trade salary for benefits. It also looks past your immediate paycheck to project how these decisions impact your retirement growth and total annual value. You get a clear picture of your true compensation, including employer contributions and the long-term value of your benefits. ## Tools ### calculate_tax_burden This tool calculates your total annual tax liability by applying your income to specific tax brackets. ### compare_cash_vs_sacrifice Use this to see the direct difference in your monthly take-home pay when choosing between cash and salary sacrifice. ### evaluate_pension_impact This tool projects annual pension growth and determines the actual net cost of your sacrifice. ### get_effective_total_compensation This tool calculates your holistic annual compensation by combining net pay, benefits, and employer contributions. ## Prompt Examples **Prompt:** ``` I earn £50,000. If I sacrifice £5,000 for an electric vehicle worth £6,000 and my employer adds £1,000, what is my monthly take-home pay difference? ``` **Response:** ``` Your monthly take-home pay will decrease by £320, but your total monthly value gain will be £450 when accounting for the vehicle and employer contribution. ``` **Prompt:** ``` What is the impact of sacrificing £2,000 into my pension if my employer matches £500 and I save £400 in tax? ``` **Response:** ``` Your annual pension growth will be £2,500, and the net cost of this sacrifice is only £1,600. ``` **Prompt:** ``` Calculate my total compensation if my net pay is £35,000, my benefits are worth £5,000, and employer contributions are £3,000. ``` **Response:** ``` Your annual total value is £43,000. ``` ## Capabilities ### Tax Modeling Your agent uses this to determine how income changes affect your tax liability. ### Cash Flow Analysis Your AI client uses this to compare monthly take-home pay against different sacrifice options. ### Retirement Projections Your agent uses this to see how pension contributions impact your future wealth. ### Total Value Calculation Your AI client uses this to sum up net pay, benefits, and employer contributions. ## Use Cases ### Electric Vehicle Decisions Compare the monthly cash impact of sacrificing salary for a company EV versus taking the cash. ### Pension Optimization Calculate how much extra retirement wealth you gain for every pound of salary you sacrifice. ### Job Offer Comparison Evaluate two different salary offers by calculating the effective total compensation for each. ### Tax Planning Model how changing your gross salary affects your annual tax burden. ## Benefits - Compare monthly cash flow against long-term wealth growth. - Model progressive tax impacts on your specific income level. - Calculate the true value of employer contributions and benefits. - Determine the net cost of pension sacrifices. ## How It Works Get your financial models running in your preferred AI client in minutes. 1. Connect the MCP to your client like Claude or Cursor via Vinkius. 2. Provide your current salary and benefit details to your agent. 3. Ask the agent to run specific comparisons or calculations. 4. Review the breakdown of take-home pay, tax, and total value. ## Frequently Asked Questions **How does this MCP help with salary sacrifice?** It allows your AI client to model how much your monthly take-home pay changes when you trade salary for benefits like pensions or vehicles. **Can I use this to compare different job offers?** Yes. You can use the total compensation tool to find the true value of an offer by including benefits and employer contributions. **Which AI clients work with this MCP?** This MCP works with any compatible client, including Claude, Cursor, Windsurf, and VS Code. **Does it account for tax changes?** Yes, the tool includes a specific function to calculate your annual tax liability based on income and tax brackets. **How is the pension impact calculated?** The MCP evaluates annual pension growth and the net cost of the sacrifice to show you the long-term benefit. **How does salary sacrifice affect my monthly take-home pay?** By using `compare_cash_vs_sacrifice`, you can see how reducing your gross salary to pay for a benefit changes your net monthly income after taxes and social security are applied. **Can I calculate my total wealth including benefits?** Yes, the `get_effective_total_compensation` tool calculates your holistic value by summing net take-home pay, the value of benefits, and employer contributions. **How do I model different tax brackets?** You can use `calculate_tax_burden` by providing a JSON array of tax thresholds and rates to model progressive taxation accurately.