NHS Pension Guide 2026/27
The NHS Pension Scheme is one of the most generous in the UK, with employer contributions of 23.7%. Understand your contribution tier, scheme benefits, and whether to stay opted in.
NHS Pension Contribution Rates 2026/27
| Pensionable Pay Range | Your Contribution |
|---|---|
| £0 – £13,259 | 5.2% |
| £13,259 – £27,797 | 6.5% |
| £27,797 – £33,868 | 8.3% |
| £33,868 – £50,845 | 9.8% |
| £50,845 – £65,190 | 10.7% |
| £65,190 – £76,500 | 11.6% |
| Over £76,500 | 12.5% |
Employer Pays 23.7%
Your employer contributes 23.7% of your pensionable pay on top of your own contribution — effectively doubling your pension savings.
Tax Relief Included
Your pension contributions are taken before tax, so the actual cost to you is lower than the headline rate.
Defined Benefit
Unlike workplace pensions, the NHS pension guarantees a specific income in retirement based on your career average earnings.