Amanda williams

How does top slicing relief work. Is there a calculator or easy guide. Everything I've seen is gobbledegook. I want to cash on a bond I've had for 20 years. I invested 20k. It's now worth 50k. I've taken no money out of it so far. I earn 37k dobthe gain would put me in higher rate tax. If I use top slicing how much tax will I pay?

I have a with profits bond. I took it out 20 years ago. I put 20k in. Never taken anything out. Now it's worth 50k . So I've made a profit of 30k. I want to surrender it and get the 50k. I'm a basis tax payers, earning 38k pa so I think the 30k profit will put me in the high tax rate. So....is that right, if yes how much tax will I pay? Can I do top slicing relief and if so what will my tax be? Thanks