NHS Pay Calculator 2026/27 — Your Take-Home by Band
Free NHS pay calculator for 2026/27. Pick your Agenda for Change band, hours and pension status to see what actually lands in your bank account each month.
How much will I take home on NHS pay in 2026/27?
A full-time Band 5 nurse on the entry point earns about £32,073 gross in 2026/27 and takes home roughly £2,040/month after Income Tax, National Insurance and the 8.3% NHS Pension contribution. Top of Band 5 is about £2,381/month; Band 6 ranges from £2,430 to £2,866/month; Band 7 from £2,934 to £3,309/month.
Calculate Your NHS Take-Home Pay
Select your band, set your contracted weekly hours (37.5 = full-time), and toggle NHS Pension contributions. Results update instantly using the 2026/27 indicative Agenda for Change rates.
NHS take-home estimator (2026/27)
Full-time NHS contract = 37.5 hours/week.
Tier auto-applied (5.2%–12.5%).
Estimated annual take-home
£24,483 – £28,570
Monthly: £2,040 – £2,381
Indicative only. England rUK rates, standard 1257L tax code. Excludes London weighting, unsocial-hours enhancements, overtime and student loan deductions.
Estimate only — not financial advice
Figures use 2026/27 rUK tax bands and the confirmed 3.3% Agenda for Change uplift effective 1 April 2026. They exclude London weighting, unsocial-hours enhancements, overtime, student loan deductions and any salary sacrifice. For full assumptions and source links, see the complete NHS pay scales methodology.
What This NHS Pay Calculator Covers
Most online NHS pay calculators show you the gross salary on the Agenda for Change scale — but what matters in your bank account is the net figure after Income Tax, National Insurance and the NHS Pension. This calculator does the full deduction stack so you see the real number.
- All 11 bands from Band 2 (HCA) up to Band 9 (executive), using 2026/27 indicative figures.
- Part-time pro-rata — change weekly hours and the gross salary scales linearly from the 37.5-hour full-time rate.
- NHS Pension toggle — automatic tier selection (5.2% → 12.5%) based on your pensionable pay.
- 2026/27 tax bands — frozen Personal Allowance of £12,570, basic 20% to £50,270, higher 40% to £125,140, additional 45% above. NI at 8% / 2%.
For the full side-by-side bands table, the confirmed 3.3% uplift in cash terms, and Band-5-specific take-home detail, see the deeper NHS Pay Scales Calculator.
NHS Pay Calculator — FAQs
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