Compare NHS Pay Bands Side by Side

Compare any two NHS pay bands side by side. See the salary difference, take-home pay impact, pension rate change, qualification requirements, and typical roles at each level.

Side-by-side comparisonTake-home pay differenceQualification comparisonRole examplesOvertime eligibility check

Salary Difference

+£6,421/yr

Take Home Difference

+£311.84/mo

Band 5Band 6

Pay

Starting salary£31,469£37,890
Top of band£38,626£44,962
Take home (start)£2,007.31£2,319.15
Take home (top)£2,358.50£2,697.27
Hourly rate£16.14£19.43

Deductions & Benefits

Pension rate8.3%9.8%
Pay steps44
Overtime eligibleYesYes

Entry Requirements

Typical training3 years3 years

Typical Roles

Examples
Staff NurseMidwifePhysiotherapistOccupational Therapist
Senior Staff NurseCommunity Nurse / District NurseSenior PhysiotherapistSpecialist Midwife

What Changes from Band 5 to Band 6?

Moving from Band 5 to Band 6 means a pay increase of £6,421/year at starting salary, which works out to roughly £311.84/month more in your pocket after tax, NI and pension.

Your pension contribution rate increases from 8.3% to 9.8%, which means a slightly higher deduction — but remember, the NHS pension is one of the best in the UK, so the extra contribution builds more retirement income.

Band 6 roles typically require more experience, responsibility, or qualifications than Band 5. Check the roles table above to see what's expected at each level.

How This Calculator Works

This calculator uses official 2026/27 Agenda for Change data, HMRC tax and NI thresholds, and NHS Pension Scheme contribution rates. Figures are estimates based on standard assumptions — your actual amounts may differ depending on your individual tax code, trust-specific policies, or other personal circumstances. Always check with your payroll department or HR for precise figures.

Last updated: March 2026 · Based on the confirmed 3.3% pay award for 2026/27

Frequently Asked Questions

The largest absolute salary jump is between Bands 8d and 9, but in percentage terms the biggest leap is from Band 4 to Band 5 — around £4,344 per year — reflecting the move from support roles to degree-qualified professional positions.