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£10,000 Bonus on a £100,000 Salary: How Much Do You Keep?

On a £100,000 normal salary, a £10,000 gross bonus increases estimated annual take-home by £3,800.00 in 2026/27. You keep 38.0% under the default assumptions below.

2026/27 · England / Wales / NI · 1257L · monthly payroll · no pension, salary sacrifice, loans or benefits. Bonus paid once; not pensionable by default. Change the assumptions below.

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Your salary & bonus

Pension & bonus sacrificeNone
Future pension salary-sacrifice NI changes

Not applied to this selected tax year. From 6 April 2029, pension salary sacrifice above £2,000 per tax year is due to attract employee and employer Class 1 NI on the excess. Income Tax relief and the reduction in adjusted net income are unchanged by this reform. This is not a pension contribution cap and does not apply to car salary sacrifice. Detailed payroll operation must be verified before implementation. HMRC reform details.

Student loansNone
Student-loan repayment calculator
Benefits & other deductionsNone
Benefit reporting and future changes

Use the reporting method for your selected tax year. Mandatory payrolling is announced for cars, fuel, vans and medical benefits from 6 April 2027, then most other benefits from 6 April 2028. HMRC benefit reporting dates.

Add the full employer-reported taxable value for Income Tax unless it is already represented in the tax code you entered. The reporting change is not a new tax exemption. If your code still contains an old benefit adjustment, check it with HMRC rather than changing the benefit value to compensate.

Tax & payroll settings1257L · monthly

Financial inputs stay in this page’s memory. Refresh resets them; they are not stored, submitted or placed in URLs.

Net value of your bonus · 2026/27

£3,800.00kept from your £10,000 bonus

Normal salary assumption: £100,000 / year.

Gross bonus
£10,000.00
Estimated net bonus
£3,800.00
Total additional deductions
£6,200.00
You keep
38.0%
Where the bonus goes · differences between the two scenarios
BreakdownAmount
Gross bonus£10,000.00
Additional Income Tax−£6,000.00
Additional employee NI−£200.00
Net bonus£3,800.00

Effective deduction rate on this bonus: 62.0%.
Kept from every £1 of gross bonus: £0.38.

Your bonus affects your Personal Allowance

Adjusted net income before
£100,000.00
Adjusted net income after
£110,000.00
Statutory allowance before
£12,570.00
Statutory allowance after
£7,570.00
Allowance lost due to bonus
£5,000.00
Total incremental Income Tax
£6,000.00

The Income Tax change includes the whole bonus effect; it is not a separate estimate of tax from the lost allowance alone.

See how pension salary sacrifice could affect this calculation

The bonus reduces the statutory Personal Allowance by £5,000, as adjusted net income moves into the 2026/27 taper above £100,000.

The bonus does not add a new Income Tax band in this scenario. Its incremental deduction rate still includes other deductions and any allowance change.

2026/27 · England / Wales / NI · annual unless stated
CalculationWithout bonusWith bonusDifference
Gross income£100,000.00£110,000.00+£10,000.00
Income Tax£27,432.00£33,432.00+£6,000.00
Employee National Insurance£4,010.00£4,210.00+£200.00
Annual take-home£68,558.00£72,358.00+£3,800.00
Monthly equivalent (annual ÷ 12)£5,713.17£6,029.83+£316.67

Annual net economic estimate, not a bonus-month payslip. The bonus is paid once in one selected-frequency payroll period for NI and loans. PAYE timing, prior pay, tax codes, rounding and employer scheme rules can change the payment month. Monthly equivalents average the bonus over the year; the bonus is not multiplied by 12.

Pension allowances, minimum wage, employer NI sharing and student-loan refunds are not assessed. Read the assumptions.

Default calculation: £10,000 bonus on £100,000

Reference figures use the defaults above, not any changes you make in the interactive calculator.

2026/27 · annual incremental bonus calculation
CalculationAmount
Normal gross salary£100,000.00
Gross bonus£10,000.00
Total gross income£110,000.00
Net value of bonus£3,800.00
Additional Income Tax£6,000.00
Additional employee NI£200.00
Total additional deductions£6,200.00
Annual take-home without bonus£68,558.00
Annual take-home with bonus£72,358.00

The bonus reduces the statutory Personal Allowance by £5,000, as adjusted net income moves into the 2026/27 taper above £100,000.

The bonus does not add a new Income Tax band in this scenario. Its incremental deduction rate still includes other deductions and any allowance change.

Adjusted net income rises from £100,000.00 to £110,000.00. The statutory Personal Allowance falls from £12,570.00 to £7,570.00. Explore pension salary-sacrifice scenarios.

With Scottish Income Tax and the same other defaults, the net bonus is £3,050.00. Select Scotland above for a full breakdown.

View the standard £100,000 salary calculation

How the estimate works

Two calculations, one bonus difference

We calculate normal salary, then the same salary plus a one-off bonus using the main tax engine. The difference in take-home is the estimated net bonus. Cash bonuses are employment earnings, not subject to a separate bonus tax rate. GOV.UK bonus guidance.

Annual effect, not an exact payslip

Income Tax uses an annual estimate. NI and payroll loan deductions assign the bonus to one pay period at your selected payroll frequency. PAYE timing, previous pay, cumulative codes, loan refunds and employer rounding can change a payslip. The monthly equivalent is an annual average, not a recurring bonus.

Pension treatment is explicit

Bonuses are excluded from pensionable pay by default, matching the main calculator. You can include a percentage pension or enter a separate pension salary sacrifice from the bonus. Net-pay and relief-at-source contributions do not reduce employee NI-able pay. Extra relief at source may require an HMRC claim; the optional claim estimate is only supported for standard codes. Pension tax relief.

Limits and assumptions

This is educational, not personalised financial advice. Pension annual allowances, carry forward, minimum wage restrictions, employer NI sharing, loan balances/refunds and other Self Assessment income are not assessed. Benefit values and fixed deductions remain unchanged in both scenarios. Non-standard codes are PAYE estimates; statutory allowance information is separate. Historical blended-NI years are estimates. Salary sacrifice rules · Pension limits.

Full calculation methodology · Find a salary for your take-home target · Salary sacrifice & Personal Allowance

Common bonus amounts

£1,000 bonus after tax£2,500 bonus after tax£5,000 bonus after tax£10,000 bonus after tax£15,000 bonus after tax£20,000 bonus after tax£25,000 bonus after tax£50,000 bonus after tax

Comparing a permanent pay rise instead? See the monthly take-home change.

Salary & bonus examples