Updated for 2026/27 pay scales

NHS Take Home Pay Calculator 2026/27

Find out exactly what you'll take home each month. Covers all AfC Bands 2–9 with NHS Pension tiers applied automatically.

Pay Band

Experience Step

Contract Hours (per week)

Location (HCAS)

England 2026/27

Monthly Take Home Pay

Net Monthly Pay

£1,963.78

£453.18/week · £23,565.35/year

Income

Basic Pay£2,622.42

Gross Pay£2,622.42

Deductions

Income Tax-£314.98

National Insurance (8%)-£125.99

NHS Pension (8.3%)-£217.66

Standard Hourly Rate£16.14

Effective Tax Rate12.0%

Quick Take Home Pay Guide — All NHS Bands

Estimated monthly take-home pay at starting salary for each band. Based on a standard full-time contract with NHS pension, no student loan or London weighting.

Band	Starting Salary	Top of Band	Pension %	Monthly Take Home	Top Take Home
Band 2	£24,169	£24,872	6.5%	£1,612.52	£1,650.90
Band 3	£25,329	£26,342	6.5%	£1,675.84	£1,731.13
Band 4	£27,125	£28,930	6.5%	£1,773.87	£1,829.00
Band 5	£31,469	£38,626	8.3%	£1,963.78	£2,295.41
Band 6	£37,890	£44,962	9.8%	£2,257.27	£2,623.83
Band 7	£46,148	£52,809	9.8%	£2,685.30	£2,961.34
Band 9	£115,426	£132,742	12.5%	£5,127.80	£5,671.74
Band 8a	£55,877	£65,448	10.7%	£3,082.27	£3,410.44
Band 8b	£67,950	£78,964	11.6%	£3,507.18	£3,873.84
Band 8c	£81,138	£92,152	12.5%	£3,956.27	£4,373.88
Band 8d	£96,340	£110,792	12.5%	£4,532.68	£4,990.71

How Your NHS Pay Is Calculated

Base Salary

Your pay band and step determine your starting gross salary under Agenda for Change.

Additions

London weighting (HCAS), unsocial hours, and overtime are added to your gross pay.

Deductions

Income tax, National Insurance, and NHS pension contributions are taken off.

Take Home

What lands in your bank account each month — that's the number that matters.

Explore Pay by Band

Each band page has pre-calculated take-home tables, typical roles, country comparisons, and an interactive calculator.

Band 2

Healthcare Assistant, Porter

From

£1,612.52/mo

Band 3

Senior Healthcare Assistant, Phlebotomist

From

£1,675.84/mo

Band 4

Assistant Practitioner, Nursing Associate

From

£1,773.87/mo

Band 5

Staff Nurse, Midwife

From

£1,963.78/mo

Band 6

Senior Nurse, Senior Physiotherapist

From

£2,257.27/mo

Band 7

Ward Manager, Advanced Practitioner

From

£2,685.30/mo

Band 9

Chief Executive (smaller trusts), Executive Director

From

£5,127.80/mo

Band 8a

Consultant Allied Health Professional, Senior Manager

From

£3,082.27/mo

Band 8b

Associate Director, Senior Consultant

From

£3,507.18/mo

Band 8c

Deputy Director, Divisional Director

From

£3,956.27/mo

Band 8d

Director, Chief Nurse

From

£4,532.68/mo

NHS Pension — Automatically Included

Our calculator applies the correct pension tier based on your salary. Contribution rates range from 5.2% to 12.5%, and your employer adds another 23.7% on top.

Read the full pension guide

Pension Tiers 2026/27

Up to £13,2595.2%

Up to £27,7976.5%

Up to £33,8688.3%

Up to £50,8459.8%

Up to £65,19010.7%

Up to £76,50011.6%

Over £76,50012.5%

More NHS Calculators

We've got calculators for redundancy, pensions, overtime, maternity pay, annual leave and more — all free and updated for 2026/27.

View All Calculators