NHS Take-Home Pay Calculator UK (2026/27)
Calculate your exact monthly and annual NHS take-home pay across Agenda for Change Bands 2 to 9 in England. Features automated High Cost Area Supplements (HCAS) and statutory NHS Pension Scheme contribution tiers (5.2% to 12.5%).
Estimate your NHS take-home pay (2026/27)
NHS Agenda for Change (AfC) England 2026/27 pay bands (2 to 9), High Cost Area Supplement (HCAS), and statutory pension tiers.
£2,040.21 / month
£24,482.51 / yr
- Gross annual earnings:
- £32,073.00
- Annual Income Tax (PAYE):
- -£3,368.19
- Class 1 National Insurance:
- -£1,560.24
- Workplace Pension (8.3%):
- -£2,662.06
- Total statutory deductions:
- £7,590.49
Pension deductions are modeled under a net-pay arrangement (Section 193 Finance Act 2004), providing full immediate Income Tax relief while National Insurance and student loan repayments are assessed on gross earnings before pension contributions. Actual payslips may vary with overtime, enhancements, or local trust arrangements.
NHS Agenda for Change England 2026/27 Pay Bands
Official annual basic salaries for NHS England hospital, clinical, administrative, and nursing staff under Agenda for Change. Figures exclude High Cost Area Supplements (HCAS) and overtime enhancements.
| Pay Band | Experience / Progression Step | Annual Basic Salary | Gross Monthly | Typical Staff Roles |
|---|---|---|---|---|
| Band 2 | Entry & Top | £25,272 | £2,106.00 | Healthcare Assistants, Clinical Support Workers, Domestic Staff |
| Band 3 | Entry | £25,760 | £2,146.67 | Senior Healthcare Support Workers, Therapy Assistants, Clerical Officers |
| Band 3 | Top (after 2 yrs) | £27,476 | £2,289.67 | Senior Healthcare Support Workers, Therapy Assistants, Clerical Officers |
| Band 4 | Entry | £28,392 | £2,366.00 | Nursing Associates, Assistant Practitioners, Pharmacy Technicians |
| Band 4 | Top (after 3 yrs) | £31,157 | £2,596.42 | Nursing Associates, Assistant Practitioners, Pharmacy Technicians |
| Band 5 | Entry | £32,073 | £2,672.75 | Newly Qualified Staff Nurses, Physiotherapists, Occupational Therapists, Radiographers |
| Band 5 | Intermediate (after 2 yrs) | £34,592 | £2,882.67 | Newly Qualified Staff Nurses, Physiotherapists, Occupational Therapists, Radiographers |
| Band 5 | Top (after 4 yrs) | £39,043 | £3,253.58 | Newly Qualified Staff Nurses, Physiotherapists, Occupational Therapists, Radiographers |
| Band 6 | Entry | £39,959 | £3,329.92 | Junior Sisters, Specialist Nurses, Senior Physiotherapists, Experienced Paramedics |
| Band 6 | Intermediate (after 2 yrs) | £42,170 | £3,514.17 | Junior Sisters, Specialist Nurses, Senior Physiotherapists, Experienced Paramedics |
| Band 6 | Top (after 5 yrs) | £48,117 | £4,009.75 | Junior Sisters, Specialist Nurses, Senior Physiotherapists, Experienced Paramedics |
| Band 7 | Entry | £49,387 | £4,115.58 | Ward Managers, Clinical Nurse Specialists, Advanced Clinical Practitioners (ACPs) |
| Band 7 | Intermediate (after 2 yrs) | £51,932 | £4,327.67 | Ward Managers, Clinical Nurse Specialists, Advanced Clinical Practitioners (ACPs) |
| Band 7 | Top (after 5 yrs) | £56,515 | £4,709.58 | Ward Managers, Clinical Nurse Specialists, Advanced Clinical Practitioners (ACPs) |
| Band 8a | Entry | £57,528 | £4,794.00 | Matrons, Principal Clinical Psychologists, Senior Clinical Managers |
| Band 8a | Top (after 5 yrs) | £64,750 | £5,395.83 | Matrons, Principal Clinical Psychologists, Senior Clinical Managers |
| Band 8b | Entry | £66,582 | £5,548.50 | Lead Nurse Consultants, Senior Biomedical Scientists, Operational Service Managers |
| Band 8b | Top (after 5 yrs) | £77,368 | £6,447.33 | Lead Nurse Consultants, Senior Biomedical Scientists, Operational Service Managers |
| Band 8c | Entry | £79,504 | £6,625.33 | Deputy Directors of Nursing, Head of Medical Physics, Directorate Managers |
| Band 8c | Top (after 5 yrs) | £91,609 | £7,634.08 | Deputy Directors of Nursing, Head of Medical Physics, Directorate Managers |
| Band 8d | Entry | £94,356 | £7,863.00 | Consultant Clinical Psychologists, Clinical Directors, Senior Heads of Department |
| Band 8d | Top (after 5 yrs) | £108,814 | £9,067.83 | Consultant Clinical Psychologists, Clinical Directors, Senior Heads of Department |
| Band 9 | Entry | £112,782 | £9,398.50 | Chief Nurses, Board Directors, NHS Trust Chief Operating Officers |
| Band 9 | Top (after 5 yrs) | £129,783 | £10,815.25 | Chief Nurses, Board Directors, NHS Trust Chief Operating Officers |
Source: NHS Employers Agenda for Change pay circulars and NHS Staff Council agreements, valid from 1 April 2026.
High Cost Area Supplement (HCAS / London Weighting) Rates
Staff working within NHS trusts in London and surrounding regions receive non-discretionary High Cost Area Supplements calculated as a percentage of basic salary, subject to statutory minimum floors and maximum caps:
| HCAS Region | Percentage of Basic Salary | Statutory Minimum Floor | Statutory Maximum Cap | Pensionable Status |
|---|---|---|---|---|
| Inner London | 20% of basic salary | £5,794 / yr | £8,746 / yr | 100% Pensionable |
| Outer London | 15% of basic salary | £4,870 / yr | £6,137 / yr | 100% Pensionable |
| London Fringe | 5% of basic salary | £1,346 / yr | £2,270 / yr | 100% Pensionable |
NHS Pension Scheme Member Contribution Tiers (2026/27)
Member contributions for the 2015 Career Average Revalued Earnings (CARE) scheme are determined by actual annual pensionable pay. Under Section 193 of the Finance Act 2004, all contributions receive immediate full tax relief at source via your net-pay arrangement:
| Contribution Tier | Annual Pensionable Pay Band | Gross Contribution Rate | Effective Net Cost (Basic 20%) | Effective Net Cost (Higher 40%) |
|---|---|---|---|---|
| Tier 1 | Up to £13,259.00 | 5.2% | 4.16% of pay | 3.12% of pay |
| Tier 2 | £13,260.00 to £28,854.00 | 6.5% | 5.20% of pay | 3.90% of pay |
| Tier 3 | £28,855.00 to £35,155.00 | 8.3% | 6.64% of pay | 4.98% of pay |
| Tier 4 | £35,156.00 to £52,778.00 | 9.8% | 7.84% of pay | 5.88% of pay |
| Tier 5 | £52,779.00 to £67,668.00 | 10.7% | 8.56% of pay | 6.42% of pay |
| Tier 6 | £67,669.00 and above | 12.5% | 10.00% of pay | 7.50% of pay |
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Match the scheme and jurisdiction
Public-sector pay points depend on the country, employer, grade, effective date and pension arrangement. Add actual pensionable allowances rather than assuming all earnings are pensionable.
NHS and teachers pension deductions generally use a net-pay arrangement: Income Tax relief can apply without reducing NI or student-loan earnings. Use a relevant scheme statement for the contribution percentage.
Check the rules for your circumstances
Official guidance supports the rules described here; it does not approve or certify this calculator. Confirm dates, eligibility and unsupported cases before making a financial decision.