MyPensionReclaim
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MyPensionOptimiser
Optimising your pension? Pay less tax.
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MyPensionReclaim
Missed salary sacrifice? Get it back.
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MyFamily&Benefits
Paying the Child Benefit charge? Reduce it.
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MySelfAssessment
First time filing? Walk through it.
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MyPayPicture

Missed salary sacrifice?
You can still reclaim.

If payroll closed before you could elect salary sacrifice on a bonus, you can still recover the tax.

1Your Situation
2Tax Calculator
3Pension Contribution
4Next Steps
Tell us about your bonus

We'll use this to calculate your tax position and show you what you can reclaim.

£
£

This helps us work out whether your bonus falls into higher rate tax.

Yes — too late
No — still possible
Your tax breakdown

Here's how your bonus will be taxed, and what's potentially reclaimable.


What does this mean?

Making a personal pension contribution

Even though you missed salary sacrifice, you can still recover the income tax through a direct pension contribution.

£

Enter up to your full net bonus amount.


How does this work in practice?

  • Pay the contribution from your bank account into your pension (employer scheme if they accept AVCs, or a SIPP)
  • Your pension provider automatically claims 20% basic rate relief — so £800 from you becomes £1,000 in the pension
  • If you're a higher rate taxpayer, claim the extra 20–25% back via Self Assessment (Step 4)
£

If you increase your salary sacrifice going forward, we'll show you the annual NI and tax saving.

Registering for Self Assessment

You're employed full-time, but you can still register to claim back higher rate pension relief. Here's exactly what to do.

⚠ Key deadlines

Register by 5 October 2025 to file for the 2024/25 tax year.
File online by 31 January 2026.


What to enter in the pension section

Enter the gross value of your personal pension contributions (the amount after basic rate relief is added). For example, if you paid in £800, your provider will have claimed £200 relief — enter £1,000 as the gross contribution.

Simpler alternative — P55 or direct claim

If your pension is a "relief at source" scheme and you only need to claim higher rate relief, you may be able to do this via a simple letter or phone call to HMRC (0300 200 3300) rather than a full return. Worth asking when you call.

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Ask MyPayPicture Assistant
MyPayPicture Assistant
General information only · Not financial advice
What tax can I reclaim?
Do I need Self Assessment?
What is salary sacrifice?
What is the annual allowance?