NHS TAKE HOME PAY CALCULATOR
The number behind your band.
A pay band is only the start of the story. Choose your pay point, weekly hours and London allowance to see an estimate after NHS pension, Income Tax and National Insurance.
NHS England · Agenda for Change
2026/27 published pay points. Doctors, dentists, agency staff and other UK nations use different arrangements.
NHS England · Agenda for Change
Build your pay estimate.
Estimated take home
£24,483 a year after deductions
England AfC basic pay, standard tax code and annualised PAYE. Shift enhancements, overtime and local additions are outside this estimate.
The pay spine
Find your starting point.
These are full-time annual basic salaries for England from 1 April 2026. Your selected pay point and hours set the basic pay in the calculator; any eligible high cost area supplement is added separately.
| Band | Entry | Intermediate | Top |
|---|---|---|---|
| Band 2 | £25,272 | — | — |
| Band 3 | £25,760 | — | £27,476 |
| Band 4 | £28,392 | — | £31,157 |
| Band 5 | £32,073 | £34,592 | £39,043 |
| Band 6 | £39,959 | £42,170 | £48,117 |
| Band 7 | £49,387 | £51,932 | £56,515 |
| Band 8a | £57,528 | £60,417 | £64,750 |
| Band 8b | £66,582 | £70,896 | £77,368 |
| Band 8c | £79,504 | £84,346 | £91,609 |
| Band 8d | £94,356 | £100,140 | £108,814 |
| Band 9 | £112,782 | £119,583 | £129,783 |
Band 2 has a single pay value. Pay progression depends on the applicable NHS terms and your employment circumstances; choose the pay point shown on your contract or payslip.
Behind the estimate
The deductions matter.
The NHS pension is a net-pay deduction. That makes this calculation different from our pension salary sacrifice tool.
- 01
Set your gross pay. We pro-rate the selected pay point from 37.5 hours and add the published Inner London, Outer London or fringe supplement if selected. The supplement is pensionable.
- 02
Apply the NHS pension tier. The 2026/27 member rate is selected from actual annual pensionable pay. Contributions reduce pay used for Income Tax, but not employee National Insurance or student loan deductions.
- 03
Calculate take home. We apply standard 2026/27 England PAYE and Class 1 employee NI rates, with an optional student loan plan. Monthly pay is an annual estimate divided by twelve.
What this covers
Clear scope, clearer answer.
This is an annualised estimate for a standard Agenda for Change employee in England. It does not model unsocial hours, overtime, recruitment and retention payments, tax-code changes, other taxable income, partial tax years or local payroll rounding.
Part-time high cost area supplements are estimated by pro-rating the published full-time amount. Your trust determines whether your work base qualifies for a supplement and which pay point applies.
Sources: NHS Employers pay scales, NHS terms and conditions, NHSBSA pension tiers and GOV.UK payroll deductions.
Next question
Compare a different salary.
For work outside NHS England Agenda for Change, enter the gross salary directly and explore the same PAYE breakdown.
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