NHS take-home pay calculator
Pick your band and pay point to see what is left after NHS Pension, income tax, National Insurance and any student loan. It covers England and Scotland for the 2026/27 pay year.
Your details
Unsocial hours (optional)
Your estimated take-home pay
£2,040.25
per month (£24,482.99 a year, £469.54 a week). You keep 76% of gross pay.
| Gross pay | £2,672.75 |
|---|---|
| NHS Pension (8.3%) | -£221.84 |
| Income tax | -£280.68 |
| National Insurance | -£129.98 |
| Student loan | -£0.00 |
| Take-home pay | £2,040.25 |
- Annual basic pay
- £32,073.00
- Basic hourly rate
- £16.40
- Employer pension contribution (23.7%)
- £7,601.30 a year
Assumptions behind this estimate
- Standard tax code 1257L, one job, no other income or benefits in kind.
How this NHS pay calculator works
Use it as an NHS salary calculator to see your annual pay for a band and pay point, or read the monthly and weekly figures to compare with your payslip. Change the hours for part-time pay, add London weighting if you work in England, and enter nights and weekends under unsocial hours.
Every rate is taken from NHS Employers, GOV.UK or gov.scot and dated. The methodology page lists the sources, the assumptions and what is not covered yet, and the change log records each update.
NHS take-home pay by band
Each band page shows salary and take-home pay at every pay point, for England and Scotland. The full list is on the NHS pay scales 2026/27 page.
Other NHS pay calculators and guides
- NHS maternity pay calculator
Week by week: full pay, half pay plus Statutory Maternity Pay, then SMP only.
- NHS sick pay calculator
How long you stay on full and half pay, with Statutory Sick Pay from the first day.
- NHS pay rise 2026/27
What each nation has confirmed, and what is still waiting.
- NHS unsocial hours pay
Night, Saturday, Sunday and bank holiday rates for every band.
- NHS Pension contribution rates
The 2026/27 tiers, and what the pension really costs after tax relief.
NHS pay questions
How much is NHS Band 5 take-home pay a month?
For a full-time Band 5 in England who is in the NHS Pension Scheme and has no student loan, take-home pay is about £2,040.25 a month at the entry point and about £2,380.84 at the top point, in 2026/27. London weighting, part-time hours, a student loan or unsocial hours will change that, so use the calculator above with your own details.
How is NHS take-home pay worked out?
Start with gross pay: your basic salary for your band and pay point, plus any London weighting and unsocial hours. Take off your NHS Pension contribution, income tax, National Insurance and any student loan repayment. The pension comes off before tax, so it costs you less than its headline rate.
What is the NHS pay rise for 2026/27?
In England, Agenda for Change staff got 3.3% from 1 April 2026, and Wales accepted the same. Scotland's award is 3.75% from the same date. In Northern Ireland the Pay Review Body recommended 3.3%, but when we last checked the funding and payment date had not been confirmed.
What are the NHS Pension contribution rates for 2026/27?
In England your rate depends on your actual annual pensionable pay: £0 to £13,259 pays 5.2%; £13,260 to £28,854 pays 6.5%; £28,855 to £35,155 pays 8.3%; £35,156 to £52,778 pays 9.8%; £52,779 to £67,668 pays 10.7%; £67,669 and over pays 12.5%. Once you are in a tier, the rate applies to all of your pensionable pay. Employers pay 23.7% on top.
What is NHS London weighting (HCAS)?
The High Cost Area Supplement is extra pay for working in and around London, in England only. For full-time staff inner London is 20% of basic pay (at least £5,794, at most £8,746), outer London is 15% (£4,870 to £6,137) and the fringe is 5% (£1,346 to £2,270).
How much extra do I get for nights and weekends?
Bands 4 to 9 get time plus 30% for weekday hours between 8pm and 6am and for all of Saturday, and time plus 60% on Sundays and bank holidays. Band 3 gets 35% and 69%, and Band 2 gets 41% and 83%.
Can I use this as an NHS salary calculator for part-time hours?
Yes. Enter your contracted hours a week and pay is pro-rated against a 37.5 hour week in England or 36 hours in Scotland. The pension tier is based on what you actually earn, not the full-time figure.
How accurate is the NHS pay calculator?
The rates come from NHS Employers, GOV.UK and gov.scot, and each calculation is checked against figures worked out by hand. It still assumes tax code 1257L, one job and no other income, and your trust's payroll can differ in small ways. Your payslip is what counts.