Cut your NI bill.
Grow their pensions.
We switch your workplace pension to salary sacrifice and run it for you every month. Your business pays less National Insurance, your staff take home more, and the same money goes into their pensions.
30 staff on £28,000, 5% employee contribution on qualifying earnings, employer NI at 15%, £3 per employee a month fee. Figures rounded.
Most small firms pay more NI than they need to.
Big employers have HR teams and advisers who set up salary sacrifice. Most small firms never get round to it.
of firms with 20 or fewer staff use salary sacrifice for pensions.
of firms with 21 to 249 staff do.
of large employers do. The rest are leaving money on the table.
Source: Everywhen Employee Benefit research, April 2025.
See what your business could keep.
Move the sliders. These are estimates; your free savings check gives you the exact figure from your own payroll.
Assumes contributions on qualifying earnings (£6,240 to £50,270), employer NI at 15%, employee NI at 8%, and a £3 per employee monthly fee.
Four steps. We do the work.
Free savings check
Send us an anonymised payroll summary. We show you exactly what you'd save. No obligation.
We set it up
Contract changes, staff agreements and payroll settings, working with your payroll provider and existing pension.
We brief your team
A short talk on site, in plain English. Staff choose whether to join. Nobody is pushed.
We keep it running
Starters, leavers and pay changes every month, minimum wage checks, and your payroll report.
A benefit they can actually see.
Every member of staff gets the Sapling app. It turns a payslip nobody reads into something they understand, on their phone.
Their pay, explainedEvery payslip line in plain English, and what they saved this month.
Their pension, visibleWhat's gone in this year, theirs and yours, with a link to their pension account.
PerksDiscounts on workwear, tools and everyday spending, chosen by you.
Money helpShort guides, and private access to free, impartial help when money is tight.
Example employee and figures
Nobody left worse off.
Salary sacrifice suits most people, but not everyone in every situation. We build the checks in.
Minimum wage
Checked every month. Anyone who would drop below it is paused automatically.
Life changes
Maternity pay, mortgage applications and Universal Credit can be affected. Staff are told before, not after.
Always optional
Staff sign up voluntarily and can opt out. Their pension contributions don't drop.
Properly documented
Contract changes and signed agreements in place, so the arrangement stands up to HMRC.
No advice, no pressure
We explain how things work. We never tell anyone where to put their money.
Your pension stays put
Keep NEST, The People's Pension or whoever you use now. No switching.
How it compares.
| Do it yourself | Switch to an app-based pension provider | Sapling Workplace | |
|---|---|---|---|
| Keep your current pension provider | Yes | No, you move | Yes |
| Someone else does the set-up | No | Yes | Yes |
| Monthly starters, leavers and minimum wage checks | You do it | Partly | Done for you |
| Staff briefed face to face, on site | No | Usually online | Yes |
| Cost to your staff | None | Often a yearly charge on their pension pot | None from Sapling |
| Staff app with pay, pension and perks | No | Pension only | Yes |
General comparison. Individual providers' services and charges vary.
Paid for out of the saving.
Savings check
See your exact figure before you decide anything.
Set-up
One-off. Contracts, agreements, payroll changes and staff briefings.
Running it
Per employee on the scheme, a month. Typically about a fifth of the NI you save.
You only pay for staff actually on the scheme. Your staff pay Sapling nothing.
Hand your clients a saving. We do the rest.
Most of your employer clients could be paying less NI. Introduce them to Sapling and we'll handle the switch end to end, working alongside your payroll.
Your clients win
About £127 per employee a year kept after our fee.
No extra work
We handle agreements, briefings and monthly changes.
You earn too
A share of our monthly fee for every client you introduce. Ask us for partner terms.
Saving straight from wages.
We plan to let staff put a little aside each payday into an easy-access savings pot and longer-term options, provided through an FCA-authorised partner. This isn't available yet, and we'll share details once it is.
Run by an accountant who runs businesses like yours.
Sapling Workplace is led by Tony Jones FCCA, a chartered certified accountant with more than 20 years in business. Tony is a director of Forest Tree Surgery, which employs over 40 people in North Wales, and knows first hand what payroll changes cost a small firm in time.
Book your free savings check.
Ten minutes and an anonymised payroll summary. We'll show you exactly what your business and your team would save.
Client log in
The employer dashboard and staff app open to clients soon.