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.
Monthly Take Home Pay
Net Monthly Pay
£2,040.21
£470.82/week · £24,482.51/year
Income
Deductions
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.
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
£1,700.11/mo
Band 3
Senior Healthcare Assistant, Phlebotomist
From
£1,727.27/mo
Band 4
Assistant Practitioner, Nursing Associate
From
£1,873.79/mo
Band 5
Staff Nurse, Midwife
From
£2,040.21/mo
Band 6
Senior Nurse, Senior Physiotherapist
From
£2,429.77/mo
Band 7
Ward Manager, Advanced Practitioner
From
£2,933.86/mo
Band 9
Chief Executive (smaller trusts), Executive Director
From
£5,626.03/mo
Band 8a
Consultant Allied Health Professional, Senior Manager
From
£3,352.53/mo
Band 8b
Associate Director, Senior Consultant
From
£3,741.70/mo
Band 8c
Deputy Director, Divisional Director
From
£4,225.58/mo
Band 8d
Director, Chief Nurse
From
£4,850.60/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 guidePension Tiers 2026/27
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 CalculatorsFrequently Asked Questions
We use the official 2026/27 Agenda for Change pay scales, HMRC tax thresholds, NI rates, and NHS Pension contribution tiers. The calculator updates whenever any of these change. That said, your actual payslip may vary slightly due to individual tax codes, salary sacrifice schemes, or trust-specific arrangements.
How We Calculate Your Pay
Official Pay Scales
We use the confirmed 2026/27 Agenda for Change pay scales published by NHS Employers. Every band and spine point is accurate to the official figures, including the 3.3% pay award.
HMRC Tax & NI Rates
Income tax bands (UK and Scottish), National Insurance thresholds, personal allowance taper rules, and student loan repayment thresholds all come directly from HMRC's published rates for 2026/27.
NHS Pension Tiers
Pension contribution rates are based on the official 2026/27 NHS Pension Scheme tiers. We apply the correct flat rate for your salary band — the same method your trust's payroll uses.
This calculator provides estimates based on standard assumptions. Your actual payslip may differ due to individual tax codes, salary sacrifice schemes, or employer-specific arrangements. Always check with your payroll department for precise figures.
Popular Guides & Tools
Compare Bands
Side-by-side salary, take-home and qualification comparison for any two bands.
How Pay Bands Work
Understand AfC bands, increments, and how your role determines your salary.
Is the Pension Worth It?
Your employer pays 23.7% on top — here's why most staff should stay in.
Tax Codes Explained
What your tax code means and how it affects your monthly pay.
Moving Up Bands
How to progress from one band to the next and boost your salary.