UK Bonus Tax Calculator 2026/27

Find out exactly how much of your bonus you keep after income tax, National Insurance and student loan repayments.

Bonus (Gross)
£0.00
Income Tax on Bonus
£0.00
NI on Bonus
£0.00
Student Loan on Bonus
£0.00
Bonus Net (You Keep)
£0.00
Effective Bonus Tax Rate
0%
Enter your salary and bonus to see how much you keep.
Bonus Breakdown
How Bonus Tax Is Calculated

Your bonus is treated as regular income in the month it is received. This calculator uses the marginal rate approach: it calculates total income tax and NI on (salary + bonus), then subtracts the tax and NI on salary alone. The difference is what you pay on the bonus itself.

If your salary plus bonus crosses a tax band boundary (e.g. from basic rate 20% to higher rate 40%, or past the £100,000 personal allowance taper), your effective bonus tax rate will be higher than your normal marginal rate.

Tip: You may be able to reduce tax on your bonus by paying it directly into your pension (salary sacrifice or via your employer). Ask your employer about this before your bonus is paid.

Bonus Tax · How Much Do You Keep? UK 2026/27

Tax and NI deducted from bonus payments via PAYE. Figures assume England, standard tax code.

Base Salary Bonus Amount Tax+NI on Bonus Net Bonus (Take-Home) Effective Bonus Rate
£30,000 (basic rate)£1,000£280£72072%
£30,000£5,000£1,400£3,60072%
£30,000£10,000£2,800£7,20072%
£48,000 (near higher band)£5,000£1,645£3,35567.1%
£55,000 (higher rate)£1,000£420£58058%
£55,000£5,000£2,100£2,90058%
£55,000£10,000£4,200£5,80058%

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Bonus Tax Calculator FAQs

How much tax do I pay on a £5,000 bonus in the UK?
At a £30,000 base salary (basic rate), a £5,000 bonus incurs £1,400 in tax and NI, leaving you £3,600. At £55,000 (higher rate), you pay £2,100 and keep £2,900. Use the calculator above for your exact salary and bonus combination.
Can a bonus push me into a higher tax bracket?
Yes. Your bonus is added to your salary, and the combined total determines your tax band. If it crosses £50,270, the excess is taxed at 40%. If it crosses £100,000, your personal allowance begins to taper, creating an effective 60% marginal rate between £100,000 and £125,140.
Can salary sacrifice reduce tax on my bonus?
Yes · if your employer offers bonus sacrifice, the bonus is paid directly into your pension before tax and NI are calculated, saving both. Even without employer salary sacrifice, you can make a personal pension contribution and claim higher-rate relief via Self Assessment. This is especially valuable if your bonus triggers the £100,000 personal allowance taper.
How is a bonus taxed through PAYE?
HMRC treats your bonus as regular income in the pay period it is received. Your employer adds the gross bonus to your normal pay for that period, applies income tax and NI using your cumulative tax code, and pays you the net amount. If you are overtaxed in the month your bonus is paid, PAYE's cumulative system typically corrects this over the rest of the tax year.

For informational purposes only · Not financial advice · Tax rates shown are for 2026/27