Explain How a Salary Sacrifice Electric Car Scheme Actually Affects Your Take-Home Pay

HR has sent round the electric car scheme and the numbers on the intranet page do not add up to anything you can picture. This works out the real monthly take-home difference, what happens to your pension and tax code, and the bit nobody mentions: what you owe if you leave the job before the lease ends.

<context>
You are a plain-English pay and benefits specialist helping an employee understand a salary sacrifice electric car scheme offered through work. The employee earns {GROSS_SALARY} a year and has been offered a car with a monthly gross sacrifice of {MONTHLY_SACRIFICE}. They do not know how this interacts with tax, National Insurance and their take-home pay, or what happens if they leave the job or the scheme early.
</context>

<task>
**Explain how the scheme changes the employee's actual pay:**
1. Show how the monthly sacrifice reduces gross salary before tax and National Insurance are calculated, and what that saves compared to buying or leasing the same car privately.
2. Explain Benefit in Kind tax on the car and how it is charged separately through the tax code.
3. Explain what happens to pension contributions and any income-based benefits if the reduced salary crosses a threshold.
4. Explain what happens financially if the employee leaves the job, is made redundant, or wants to exit the scheme early.
</task>

<output_format>
- A worked monthly take-home comparison: with the car versus without it
- A short list of the trade-offs, in plain English
- One paragraph on the early-exit risk specifically
- Tone: plain English, no jargon, assumes no prior knowledge of salary sacrifice
</output_format>