How long does it take to become a nurse in England?

An approved full-time nursing degree takes 3 years, or 4 years for a dual-field degree, and a postgraduate course can take 2 years if a relevant first degree is recognised as prior learning. The Registered Nurse Degree Apprenticeship has a typical duration of 48 months. The nursing associate route is a 2-year foundation-degree apprenticeship first, and the NHS says that training may then shorten a registered nurse degree apprenticeship to 2 years.

Do you have to register with the NMC to work as a nurse?

Yes. NHS Health Careers states that you must register with the Nursing and Midwifery Council in order to practise as a nurse in the UK. Under article 44 of the Nursing and Midwifery Order 2001, a person commits an offence if, with intent to deceive, they falsely represent themselves to be registered or use a protected title they are not entitled to.

Can you become a nurse without paying tuition fees?

Yes, through the Registered Nurse Degree Apprenticeship. It is a level 6 degree apprenticeship: you are an employee on a wage throughout, and the cost of training and assessment is met by the employer and government under the apprenticeship funding rules rather than by you. The funding band maximum for the standard is £26,000.

What does a newly registered nurse take home in 2026/27?

Band 5 entry is £32,073 in England for 2026/27. After an 8.3% NHS pension contribution of £2,662, £3,368 Income Tax and £1,560 National Insurance, that leaves £24,483 a year, or £2,040 a month. The NHS pension is a net pay arrangement, so the contribution reduces your Income Tax but not your National Insurance.

Is there a grant for nursing students?

Yes. The NHS Learning Support Fund pays a Training Grant of £5,000 per student per academic year in 2026 to 2027. It is non-means-tested and non-repayable, and it is paid on top of student finance, to students at a university in England. Mental health and learning disability nursing students can also receive a Specialist Subject Payment of £1,000 per academic year, and Parental Support of £2,000 per academic year is paid to students who meet its conditions.

How much does the Plan 5 student loan take off nursing pay?

An English student loan for a course starting on or after 1 August 2023 repays on Plan 5. Plan 5 repayments are 9% of everything you earn above £25,000, and they are worked out on the same earnings as National Insurance, so your NHS pension contribution does not reduce them. At Band 5 entry that is £637 a year, about £53 a month, and at Band 7 entry it is £2,195 a year, about £183 a month. Apprentices who never took a tuition fee loan do not pay it at all.

How to Become a Nurse in England 2026/27: Routes, Pay and Take-Home

Routes in, and what each one costs

Practising as a nurse in the UK requires registration with the Nursing and Midwifery Council. Every route below ends on the NMC register.

Route	Duration	Cost to you	Funding
Nursing degree (BSc)	3 years full-time, or 4 years for a dual-field degree. If you already have a degree in a relevant subject, recognition of that prior learning (APEL) can let you do a postgraduate course in 2 years rather than 3	Tuition Fee Loan of up to £9,790 for the 2026 to 2027 academic year, for students from England (gov.uk student finance).	NHS Learning Support Fund Training Grant of £5,000 per student per academic year in 2026 to 2027, non-means-tested and non-repayable, on top of student finance, for students at a university in England. A Specialist Subject Payment of £1,000 per academic year goes to mental health and learning disability nursing students only, and Parental Support of £2,000 per academic year to students who meet its conditions.
Registered Nurse Degree Apprenticeship (RNDA)	Typical duration 48 months for standard ST0781 (level 6, version 2.0 for starts from 25 March 2026), excluding the end-point assessment period	No tuition cost to the apprentice. You are employed on a wage for the whole programme.	Training and assessment are funded by the employer and government under the apprenticeship funding rules, not by the apprentice. The funding band maximum for this standard is £26,000.
Nursing associate first, then top up	2 years for the nursing associate foundation-degree apprenticeship, then a shortened nursing degree or RNDA; the NHS says nursing associate training may shorten an RNDA to 2 years	No tuition cost to the apprentice on either apprenticeship stage.	Both stages are apprenticeships, so training and assessment are funded by the employer and government rather than by you, and you are on a wage throughout. Nursing associates are themselves NMC-registered, so this route puts you on a register and a salary before you commit to the full nurse qualification. It is an England route: the Nursing and Midwifery Order makes misuse of the nursing associate title an offence only in England (article 44(1A)).

The pay ladder, and what it actually pays

Published Agenda for Change scale for 2026/27, England, with take-home computed through the same engine as our calculators. The pension is a net pay arrangement: the contribution comes off before Income Tax, so it reduces your tax bill, but National Insurance is still charged on the full gross. The contribution rate is banded, so it changes as you climb.

Rung	Gross	Pension	Income Tax	NI	Net a year	Net a month
Band 5, entry	£32,073	8.3% (£2,662)	£3,368	£1,560	£24,483	£2,040
Band 5, intermediate	£34,592	8.3% (£2,871)	£3,830	£1,762	£26,129	£2,177
Band 5, top	£39,043	9.8% (£3,826)	£4,529	£2,118	£28,570	£2,381
Band 6, entry	£39,959	9.8% (£3,916)	£4,695	£2,191	£29,157	£2,430
Band 6, intermediate	£42,170	9.8% (£4,133)	£5,093	£2,368	£30,576	£2,548
Band 6, top	£48,117	9.8% (£4,715)	£6,166	£2,844	£34,391	£2,866
Band 7, entry	£49,387	9.8% (£4,840)	£6,395	£2,945	£35,206	£2,934
Band 7, intermediate	£51,932	9.8% (£5,089)	£6,855	£3,049	£36,939	£3,078
Band 7, top	£56,515	10.7% (£6,047)	£7,619	£3,141	£39,708	£3,309

Band 5, entry: Where almost every newly registered nurse starts, and what the Nursing: 5 national job profile describes: nursing assessment of patients, planning and evaluating programmes of care, and clinical supervision of other staff and students. Two years at this point before you are eligible for the next.
Band 5, top: The top of Band 5, which takes 4 years of Band 5 service to reach from the entry point. Everything above this needs a different post rather than another year served. The NHS pension tier changes here, from 8.3% to 9.8% of pensionable pay, so this step keeps less of the rise than the gross figures suggest: net pay goes from £26,129 at Band 5 intermediate to £28,570 here.
Band 6, entry: The first specialist grade, and barely above the top of Band 5: a nurse at the top of Band 5 who is appointed to a Band 6 post gains under a thousand pounds at first, and then a lot as the Band 6 points come through. The Nursing: 6i profile is assessment of patients with complex needs, specialist nursing skills and often a caseload of your own.
Band 6, top: The top of Band 6, which takes 5 years of Band 6 service to reach from the entry point. Where a nurse who stays in a Band 6 post finishes, and it is still entirely inside the basic rate.
Band 7, entry: Band 7 is two different jobs in the national profiles: Nursing: 7i is highly specialist clinical practice with a defined caseload and clinical audit in that specialty, and Nursing: 7ii is leadership and management of registered and non-registered staff. Both are posts you are appointed to, which is why nothing on the Band 6 rungs carries you here.
Band 7, intermediate: The first point on this ladder above the £50,270 higher-rate threshold, and none of it is taxed at 40%: the 9.8% contribution comes off before Income Tax and leaves £46,843 taxable. Gross pay has to reach £56,294 on Agenda for Change before any of it is.
Band 7, top: The top of Band 7, which takes 5 years of Band 7 service to reach from the entry point. The NHS pension tier changes here, from 9.8% to 10.7% of pensionable pay, so this step keeps less of the rise than the gross figures suggest: net pay goes from £36,939 at Band 7 intermediate to £39,708 here. This is the first point on the ladder where any pay is taxed at 40%, and there is only £79 of it: the 10.7% contribution comes off first and leaves £50,468 taxable, barely over the £50,270 threshold.

Plan 5 on top, if the degree was the way in

The degree route that gets you qualified is also what creates the loan. Plan 5 repayments are 9% of everything above £25,000, charged on the same earnings as National Insurance - so the pension contribution above does not reduce them. Take the apprenticeship route instead and this table is zero.

Rung	Plan 5 a year	Plan 5 a month	Net a year after Plan 5
Band 5, entry	£637	£53	£23,846
Band 5, intermediate	£863	£72	£25,266
Band 5, top	£1,264	£105	£27,306
Band 6, entry	£1,346	£112	£27,811
Band 6, intermediate	£1,545	£129	£29,031
Band 6, top	£2,081	£173	£32,311
Band 7, entry	£2,195	£183	£33,011
Band 7, intermediate	£2,424	£202	£34,515
Band 7, top	£2,836	£236	£36,871

Frequently asked questions

How long does it take to become a nurse in England?: An approved full-time nursing degree takes 3 years, or 4 years for a dual-field degree, and a postgraduate course can take 2 years if a relevant first degree is recognised as prior learning. The Registered Nurse Degree Apprenticeship has a typical duration of 48 months. The nursing associate route is a 2-year foundation-degree apprenticeship first, and the NHS says that training may then shorten a registered nurse degree apprenticeship to 2 years.
Do you have to register with the NMC to work as a nurse?: Yes. NHS Health Careers states that you must register with the Nursing and Midwifery Council in order to practise as a nurse in the UK. Under article 44 of the Nursing and Midwifery Order 2001, a person commits an offence if, with intent to deceive, they falsely represent themselves to be registered or use a protected title they are not entitled to.
Can you become a nurse without paying tuition fees?: Yes, through the Registered Nurse Degree Apprenticeship. It is a level 6 degree apprenticeship: you are an employee on a wage throughout, and the cost of training and assessment is met by the employer and government under the apprenticeship funding rules rather than by you. The funding band maximum for the standard is £26,000.
What does a newly registered nurse take home in 2026/27?: Band 5 entry is £32,073 in England for 2026/27. After an 8.3% NHS pension contribution of £2,662, £3,368 Income Tax and £1,560 National Insurance, that leaves £24,483 a year, or £2,040 a month. The NHS pension is a net pay arrangement, so the contribution reduces your Income Tax but not your National Insurance.
Is there a grant for nursing students?: Yes. The NHS Learning Support Fund pays a Training Grant of £5,000 per student per academic year in 2026 to 2027. It is non-means-tested and non-repayable, and it is paid on top of student finance, to students at a university in England. Mental health and learning disability nursing students can also receive a Specialist Subject Payment of £1,000 per academic year, and Parental Support of £2,000 per academic year is paid to students who meet its conditions.
How much does the Plan 5 student loan take off nursing pay?: An English student loan for a course starting on or after 1 August 2023 repays on Plan 5. Plan 5 repayments are 9% of everything you earn above £25,000, and they are worked out on the same earnings as National Insurance, so your NHS pension contribution does not reduce them. At Band 5 entry that is £637 a year, about £53 a month, and at Band 7 entry it is £2,195 a year, about £183 a month. Apprentices who never took a tuition fee loan do not pay it at all.

How to become a nurse in England 2026/27

Routes in, and what each one costs

The pay ladder, and what it actually pays

Plan 5 on top, if the degree was the way in

Frequently asked questions

Sources

Routes in, and what each one costs

The pay ladder, and what it actually pays

Plan 5 on top, if the degree was the way in

Frequently asked questions

Pay for each rung in detail

Work it out for your own numbers

Sources