How much is NHS take-home pay after deductions?

Your NHS take-home is your Agenda for Change gross salary minus Income Tax, National Insurance and your NHS pension contribution. For 2026/27 a Band 5 starts at £32,073 and a Band 7 tops out at £56,515; the calculator applies the 2026/27 tax, NI and NHS pension tiers to show the net figure.

How much is the NHS pension contribution?

The NHS Pension Scheme (2015) uses six tiers by pensionable pay for 2026/27: 5.2% up to £13,259, 6.5% to £28,854, 8.3% to £35,155, 9.8% to £52,778, 10.7% to £67,668, and 12.5% above that. Contributions get Income Tax relief, so the net cost is lower than the headline rate.

Does this include London weighting or unsocial hours?

No - this shows base Agenda for Change band pay only. High Cost Area Supplements (London weighting), unsocial-hours (Section 2) enhancements and student loan repayments are not included. You can type a custom gross figure to model total pensionable pay including enhancements.

Are the NHS pay bands the same across the UK?

NHS pay is devolved, so Scotland, Wales and Northern Ireland set their own Agenda for Change scales. This calculator uses the England 2026/27 scales; the nation selector only changes the Income Tax calculation (Scotland has different tax bands).

NHS Take-Home Pay Calculator 2026/27

Pick your Agenda for Change band and pay point to see your NHS take-home pay for 2026/27 - your gross salary minus Income Tax, National Insurance and your NHS Pension Scheme (2015) contribution. Based on the England AfC scales effective 1 April 2026.

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How NHS take-home pay is worked out

NHS staff on Agenda for Change (AfC) contracts are paid on a national pay spine of bands, each with one or more pay points. This calculator uses the England AfC pay scales for 2026/27 (effective 1 April 2026, a 3.3% award). Your take-home is the gross salary minus three deductions: Income Tax, National Insurance and your NHS pension contribution.

NHS Pension Scheme (2015) contribution tiers

The NHS Pension Scheme member contribution rate for 2026/27 depends on your pensionable pay, across six tiers:

5.2% up to £13,259
6.5% from £13,260 to £28,854
8.3% from £28,855 to £35,155
9.8% from £35,156 to £52,778
10.7% from £52,779 to £67,668
12.5% above £67,668

Contributions are taken before Income Tax, so you get tax relief at your marginal rate and the real cost is lower than the headline percentage. The tier thresholds are unchanged for 2026/27 because the 3.3% pay award is below the CPI indexation figure the tiers would otherwise rise by.

Frequently asked questions

How much is NHS take-home pay after deductions?: Your NHS take-home is your Agenda for Change gross salary minus Income Tax, National Insurance and your NHS pension contribution. For 2026/27 a Band 5 starts at £32,073 and a Band 7 tops out at £56,515; the calculator applies the 2026/27 tax, NI and NHS pension tiers to show the net figure.
How much is the NHS pension contribution?: The NHS Pension Scheme (2015) uses six tiers by pensionable pay for 2026/27: 5.2% up to £13,259, 6.5% to £28,854, 8.3% to £35,155, 9.8% to £52,778, 10.7% to £67,668, and 12.5% above that. Contributions get Income Tax relief, so the net cost is lower than the headline rate.
Does this include London weighting or unsocial hours?: No - this shows base Agenda for Change band pay only. High Cost Area Supplements (London weighting), unsocial-hours (Section 2) enhancements and student loan repayments are not included. You can type a custom gross figure to model total pensionable pay including enhancements.
Are the NHS pay bands the same across the UK?: NHS pay is devolved, so Scotland, Wales and Northern Ireland set their own Agenda for Change scales. This calculator uses the England 2026/27 scales; the nation selector only changes the Income Tax calculation (Scotland has different tax bands).

Other UK tax calculators that pair with the NHS take-home.

How NHS take-home pay is worked out

NHS Pension Scheme (2015) contribution tiers

Frequently asked questions

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