TUPE transfer financial impact.

TUPE (Transfer of Undertakings Protection of Employment) protects employees during business transfers (acquisitions, outsourcing). Salary and most benefits must transfer. But pension provisions can change (auto-enrolment minimum protected, but enhanced employer contributions can reduce). This tool quantifies post-TUPE benefit changes.

50k salary, current 5% pension vs new 3%: 1,000/year pension loss. 28 days holiday vs new 25: 625/year holiday value lost. 1,500 other benefits lost. Total annual benefit loss: 3,125 = 6.25% effective salary cut. Significant for someone whose employer is changing through TUPE.

TUPE rights: salary protected, contractual benefits protected, terms and conditions broadly protected. Not protected: future pay rises (new employer's structure applies), pension above auto-enrolment minimum, share schemes, discretionary bonuses. Significant material changes within 12-24 months can be challenged. Get legal advice if facing TUPE - your case may be stronger than you think.

Run it with sensible defaults

Using current salary of 50,000, current pension of 5%, new pension of 3%, current holiday days of 28, the calculation works out to 3,125.00. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — Current Salary, Current Pension %, New Pension %, Current Holiday Days, and New Holiday Days — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

How the math works

Pension loss = salary × pension diff. Holiday loss = (salary/240) × days lost. Benefits loss = current - new. Total = sum. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

Using this in pay negotiations

Knowing the exact figure behind a headline rate gives you specific numbers to anchor to in conversations about pay. "The difference is £X per month after tax" lands harder than "a couple of grand a year". Concrete numbers move decisions.

What this doesn't capture

Tax bands, pension contributions, student-loan deductions, and benefits-in-kind sit outside this calculation. The figure is the headline; your actual position depends on local tax rules and personal circumstances. Pair with a dedicated take-home calculator for the full picture.