Compare Salary Sacrifice Versus Standard Pension Contributions

HR mentioned salary sacrifice saves you National Insurance and left it there, without mentioning it can also affect mortgage affordability checks or statutory pay calculations. This runs the actual numbers on your salary, flags who should think twice, and gives a straight recommendation instead of a generic "ask your employer".

<context>
Your employer offers a salary sacrifice pension scheme as an alternative to standard contributions. Your salary is {SALARY} and current contribution rate is [percentage].
</context>

<task>
**Compare**:
1. National Insurance saving under salary sacrifice at this salary level
2. Any impact on other salary-linked benefits (mortgage applications, statutory pay, means-tested benefits) worth flagging
3. Net take-home difference between the two methods
4. Situations where standard contributions might still be preferable
</task>

<output_format>
- Numeric comparison of take-home pay under both methods
- Flags for anyone who should think twice before switching
- Clear recommendation for the stated salary
</output_format>