Subscribing or leasing an Aldi through salary sacrifice can provide significant benefits to both employees and businesses. In this guide, we review specific examples of how salary sacrifice schemes might work for a selection of popular Audi EV models: the Audi Q4 e-tron, Audi Q4 e-tron Sportback Special Edition, Audi Q8 e-tron, and the Audi e-Tron GT.
We have broken down the potential monthly tax savings, lease costs, and net expenses for each model, for 3 different tax bands in order to provide an example relevant to your own tax situation.
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How we calculated our Audi salary sacrifice examples
Each example breaks down the potential savings and costs involved in a salary sacrifice scheme, which includes:
- The amount of income tax saved
This is calculated as a percentage of the monthly lease cost and depends on your income tax band. - National Insurance (NI) savings
For these examples, an employee’s NI rate of 2% was applied to the monthly lease cost. - The Benefit In Kind (BIK) that would be paid
BIK is a tax applied to employees who receive benefits or perks on top of their salary. The current rate of 2% of the P11D price (divided by 12 for a monthly figure) was used. - The employer’s NI contribution to the BIK value
This is calculated at a rate of 13.8% on the BIK value. - The net cost
This represents the overall monthly cost to the employee after all deductions and additions. - Monthly lease cost
We took this figure from the current Octopus Electric Vehicles price.
These calculations provide a starting point for understanding how an electric car salary sacrifice scheme could impact your monthly outgoings if you were to lease or subscribe to an Audi. They should be used as a guide rather than definitive advice, and it is always recommended to consult with an accountant for personalised advice.
Audi Salary Sacrifice examples @ 20% tax rate
| Audi Model | P11D Price | Monthly Lease Cost | Income Tax Saved (20% band) | NI Saved (12%) | BIK Paid @ 2% | Employer's NI on BiK (13.8%) | Net Cost (20% band) |
|---|---|---|---|---|---|---|---|
| Audi Q4 e-tron | £50,630 | £745 | £149 | £14.90 | £84.38 | £11.64 | £665.48 |
| Audi Q4 e-tron Sportback Special Edition | £52,825 | £924 | £184.80 | £18.48 | £88.04 | £12.13 | £808.78 |
| Audi Q8 e-tron | £67,800 | £1136 | £227.20 | £22.72 | £113.00 | £15.59 | £999.08 |
| Audi e-Tron GT | £87,800 | £1419 | £283.80 | £28.38 | £146.33 | £20.19 | £1253.15 |
Audi Q4 e-tron Salary Sacrifice example @ 20% tax rate
- P11D list price: £50,630
- Monthly lease cost: £745
- Income tax rate: 20%
- Income tax Saved: £745 x 20% = £149
- National Insurance (NI) Saved: £745 x 2% = £14.90
- Benefit In Kind (BIK) Paid @ 2%: (£50,630 x 2%) ÷ 12 = £84.38
- Employer’s National Insurance (NI) on BiK: (£84.38 x 13.8%) = £11.64
Net monthly cost: £745 – £149 – £14.90 + £84.38 = £665.48
Audi Q4 e-tron Sportback Special Edition Salary Sacrifice example @ 20% tax rate
- P11D list price: £52,825
- Monthly lease cost: £924
- Income tax rate: 20%
- Income tax Saved: £924 x 20% = £184.80
- National Insurance (NI) Saved: £924 x 2% = £18.48
- Benefit In Kind (BIK) Paid @ 2%: (£52,825 x 2%) ÷ 12 = £88.04
- Employer’s National Insurance (NI) on BiK: (£88.04 x 13.8%) = £12.13
Net monthly cost: £924 – £184.80 – £18.48 + £88.04 = £808.78
Audi Q8 e-tron Salary Sacrifice example @ 20% tax rate
- P11D list price: £67,800
- Monthly lease cost: £1136
- Income tax rate: 20%
- Income tax Saved: £1136 x 20% = £227.20
- National Insurance (NI) Saved: £1136 x 2% = £22.72
- Benefit In Kind (BIK) Paid @ 2%: (£67,800 x 2%) ÷ 12 = £113.00
- Employer’s National Insurance (NI) on BiK: (£113.00 x 13.8%) = £15.59
Net monthly cost: £1136 – £227.20 – £22.72 + £113.00 = £999.08
Audi e-Tron GT Salary Sacrifice example @ 20% tax rate
- P11D list price: £87,800
- Monthly lease cost: £1419
- Income tax rate: 20%
- Income tax Saved: £1419 x 20% = £283.80
- National Insurance (NI) Saved: £1419 x 2% = £28.38
- Benefit In Kind (BIK) Paid @ 2%: (£87,800 x 2%) ÷ 12 = £146.33
- Employer’s National Insurance (NI) on BiK: (£146.33 x 13.8%) = £20.19
Net monthly cost: £1419 – £283.80 – £28.38 + £146.33 = £1253.15
Audi Salary Sacrifice examples @ 40% tax rate
| Audi Model | P11D Price | Monthly Lease Cost | Income Tax Saved (40% band) | NI Saved (12%) | BIK Paid @ 2% | Employer's NI on BiK (13.8%) | Net Cost (40% band) |
|---|---|---|---|---|---|---|---|
| Audi Q4 e-tron | £50,630 | £745 | £298 | £14.90 | £84.38 | £11.64 | £516.48 |
| Audi Q4 e-tron Sportback Special Edition | £52,825 | £924 | £369.60 | £18.48 | £88.04 | £12.13 | £623.96 |
| Audi Q8 e-tron | £67,800 | £1136 | £454.40 | £22.72 | £113.00 | £15.59 | £771.88 |
| Audi e-Tron GT | £87,800 | £1419 | £567.60 | £28.38 | £146.33 | £20.19 | £969.35 |
Audi Q4 e-tron Salary Sacrifice example @ 40% tax rate
- P11D list price: £50,630
- Monthly lease cost: £745
- Income tax rate: 40%
- Income tax Saved: £745 x 40% = £298
- National Insurance (NI) Saved: £745 x 2% = £14.90
- Benefit In Kind (BIK) Paid @ 2%: (£50,630 x 2%) ÷ 12 = £84.38
- Employer’s National Insurance (NI) on BiK: (£84.38 x 13.8%) = £11.64
Net monthly cost: £745 – £298 – £14.90 + £84.38 = £516.48
Audi Q4 e-tron Sportback Special Edition Salary Sacrifice example @ 40% tax rate
- P11D list price: £52,825
- Monthly lease cost: £924
- Income tax rate: 40%
- Income tax Saved: £924 x 40% = £369.60
- National Insurance (NI) Saved: £924 x 2% = £18.48
- Benefit In Kind (BIK) Paid @ 2%: (£52,825 x 2%) ÷ 12 = £88.04
- Employer’s National Insurance (NI) on BiK: (£88.04 x 13.8%) = £12.13
Net monthly cost: £924 – £369.60 – £18.48 + £88.04 = £623.96
Audi Q8 e-tron Salary Sacrifice example @ 40% tax rate
- P11D list price: £67,800
- Monthly lease cost: £1136
- Income tax rate: 40%
- Income tax Saved: £1136 x 40% = £454.40
- National Insurance (NI) Saved: £1136 x 2% = £22.72
- Benefit In Kind (BIK) Paid @ 2%: (£67,800 x 2%) ÷ 12 = £113.00
- Employer’s National Insurance (NI) on BiK: (£113.00 x 13.8%) = £15.59
Net monthly cost: £1136 – £454.40 – £22.72 + £113.00 = £771.88
Audi e-Tron GT Salary Sacrifice example @ 40% tax rate
- P11D list price: £87,800
- Monthly lease cost: £1419
- Income tax rate: 40%
- Income tax Saved: £1419 x 40% = £567.60
- National Insurance (NI) Saved: £1419 x 2% = £28.38
- Benefit In Kind (BIK) Paid @ 2%: (£87,800 x 2%) ÷ 12 = £146.33
- Employer’s National Insurance (NI) on BiK: (£146.33 x 13.8%) = £20.19
Net monthly cost: £1419 – £567.60 – £28.38 + £146.33 = £969.35
Audi Salary Sacrifice examples @ 45% tax rate
| Audi Model | P11D Price | Monthly Lease Cost | Income Tax Saved (45% band) | NI Saved (12%) | BIK Paid @ 2% | Employer's NI on BiK (13.8%) | Net Cost (45% band) |
|---|---|---|---|---|---|---|---|
| Audi Q4 e-tron | £50,630 | £745 | £335.25 | £14.90 | £84.38 | £11.64 | £479.23 |
| Audi Q4 e-tron Sportback Special Edition | £52,825 | £924 | £415.80 | £18.48 | £88.04 | £12.13 | £577.78 |
| Audi Q8 e-tron | £67,800 | £1136 | £511.20 | £22.72 | £113.00 | £15.59 | £715.08 |
| Audi e-Tron GT | £87,800 | £1419 | £638.55 | £28.38 | £146.33 | £20.19 | £898.40 |
Audi Q4 e-tron Salary Sacrifice example @ 45% tax rate
- P11D list price: £50,630
- Monthly lease cost: £745
- Income tax rate: 45%
- Income tax Saved: £745 x 45% = £335.25
- National Insurance (NI) Saved: £745 x 2% = £14.90
- Benefit In Kind (BIK) Paid @ 2%: (£50,630 x 2%) ÷ 12 = £84.38
- Employer’s National Insurance (NI) on BiK: (£84.38 x 13.8%) = £11.64
Net monthly cost: £745 – £335.25 – £14.90 + £84.38 = £479.23
Audi Q4 e-tron Sportback Special Edition Salary Sacrifice example @ 45% tax rate
- P11D list price: £52,825
- Monthly lease cost: £924
- Income tax rate: 45%
- Income tax Saved: £924 x 45% = £415.80
- National Insurance (NI) Saved: £924 x 2% = £18.48
- Benefit In Kind (BIK) Paid @ 2%: (£52,825 x 2%) ÷ 12 = £88.04
- Employer’s National Insurance (NI) on BiK: (£88.04 x 13.8%) = £12.13
Net monthly cost: £924 – £415.80 – £18.48 + £88.04 = £577.78
Audi Q8 e-tron Salary Sacrifice example @ 45% tax rate
- P11D list price: £67,800
- Monthly lease cost: £1136
- Income tax rate: 45%
- Income tax Saved: £1136 x 45% = £511.20
- National Insurance (NI) Saved: £1136 x 2% = £22.72
- Benefit In Kind (BIK) Paid @ 2%: (£67,800 x 2%) ÷ 12 = £113.00
- Employer’s National Insurance (NI) on BiK: (£113.00 x 13.8%) = £15.59
Net monthly cost: £1136 – £511.20 – £22.72 + £113.00 = £715.08
Audi e-Tron GT Salary Sacrifice example @ 45% tax rate
- P11D list price: £87,800
- Monthly lease cost: £1419
- Income tax rate: 45%
- Income tax Saved: £1419 x 45% = £638.55
- National Insurance (NI) Saved: £1419 x 2% = £28.38
- Benefit In Kind (BIK) Paid @ 2%: (£87,800 x 2%) ÷ 12 = £146.33
- Employer’s National Insurance (NI) on BiK: (£146.33 x 13.8%) = £20.19
Net monthly cost: £1419 – £638.55 – £28.38 + £146.33 = £898.40
The final word on Audi Salary Sacrifice examples
From reviewing the Audi salary sacrifice examples we can see the real financial benefits of salary sacrifice, especially as you move up through the tax brackets, with potential savings spanning from the hundreds to, in some cases, over a thousand pounds annually. Higher tax rate payers will stand to gain more from the scheme, both in terms of absolute savings and as a percentage of their salary.
The savings on offer mean that luxury models, like the Audi e-Tron GT, can become significantly more accessible to employees who might not have been able to afford it without the tax break.
The figures presented here are approximate, so get advice from your accountant before signing up for an Audi salary sacrifice scheme, to make sure you understand the tax implications for your specific circumstances.
- Free Ohme home charger
- 4,000 free miles of charging
- Intelligent Octopus EV tariff
- Public charging via Octopus Electroverse
- All EV's on the market
- Built-in early termination protection
John is the Editor and Spokesperson for Electric Car Guide.
With over 20 years of writing experience, he has written for titles such as City AM, FE News and NerdWallet.com, covering various automotive and personal finance topics.
John’s market commentary has been covered by the likes of The Express, The Independent, Yahoo Finance and The Evening Standard.
