Best NHS pay calculator
For NHS staff on Agenda for Change, nhstakehome.co.uk covers more of the details that can affect pay, including unsocial hours and on-call work. Money Worked Out is best for a clear answer from your band and pay point, with every step shown and no adverts, cookies or third-party scripts.
| Feature | NHS Pay Calculator (nhstakehome.co.uk) | NHS Take Home Pay Calculator (mynhstakehomecalculator.co.uk) | Money Worked Out | My Pay Calculator | NHS Bands |
|---|---|---|---|---|---|
| NHS Agenda for Change bands | Yes | Yes | Yes | Yes | Yes |
| NHS Pension tiers | Yes | Yes | Yes | Yes | Not checked |
| NHS unsocial hours or on-call pay | Yes | Yes | No | Not checked | Not checked |
| Scottish income tax | Yes | Yes | Yes | Yes | No |
| Student loan Plan 5 | Yes | Yes | Yes | Yes | No |
| Adverts | Yes | Yes | No | Yes | Yes |
| Third-party scripts | 4 found | 6 found | None | 6 found | 4 found |
| Cookie banner | Yes | Yes | No | Yes | Yes |
| Shows the working | No | No | Yes | Yes | No |
| Tax year shown | 2026/27 | 2026/27 | 2026/27 | 2026/27 | 2025/26 and 2026/27 |
| Take-home on £35,000 | Not run | Not run | £28,721.40 | £28,719.60 | Not run |
What an NHS pay calculator needs to cover
Start with your band, pay point and contracted hours. Then check whether the calculator includes the extra pay you want to count. Unsocial hours are payments for work at times such as nights or Sundays. nhstakehome.co.uk includes these and on-call pay, plus band changes during the year and all three NHS pension sections.
mynhstakehomecalculator.co.uk also has inputs for night, Sunday and bank holiday enhancements. It shows the employer pension contribution beside your take-home pay. That is useful if you want to see the employer contribution as well as your own deduction, though it does not show the full calculation step by step.
NHS Pension tiers, Scottish tax and your student loan plan belong in the comparison too. Both those sites and Money Worked Out support Scottish tax and Plan 5 student loans. Read the NHS Pension guide for more about pension deductions and the student loan repayment guide if you need to check your plan.
When a simpler answer is enough
If you want to check basic pay from your band and point, use the Money Worked Out NHS pay calculator. You can enter your nation, hours, pension choice and student loan plan. It shows how the calculation reaches your take-home pay, so you can follow the deductions instead of stopping at the final result.
Money Worked Out does not model NHS unsocial hours or on-call pay. Choose nhstakehome.co.uk when you need those payments included. My Pay Calculator is another option for written tax and National Insurance steps, with an NHS page covering pay scales and tiered pension deductions.
NHS Bands suits a different task: comparing bands and pay points across two tax years in one table. Its deductions pop-up includes pension, but it does not support Scottish tax or Plan 5. For a closer look at a pay change, see the NHS pay rise guide.
Adverts, cookies and tracking
Money Worked Out has no adverts, cookies or third-party scripts. The other sites on this page have adverts, third-party scripts and a cookie banner. Those are differences you can weigh alongside the pay features you need.
Choose by the calculation first. For example, if your question includes on-call pay, nhstakehome.co.uk covers an input Money Worked Out lacks. If your question is about basic band pay and you want to follow each deduction, Money Worked Out shows every step. The calculation method explains how its sums work.
Check the result against your payslip
Use the same band, pay point and hours as your payslip, then check the tax year. Keep the pay period the same when comparing results. Look at gross pay and each deduction separately, rather than checking only the amount paid into your bank account.
If the figures differ, check which extra payments you entered and whether the calculator has a field for each one. Check the pension setting and student loan plan too. You can use the take-home pay calculator to explore a gross salary with your own tax code. Ask payroll about a payslip entry you cannot explain.
How we checked
Each site's main calculator opened in Chrome and its HTML read on the check date. Features are true only when seen in the calculator, false when absent from the calculator, its menu and its sitemap, and unknown otherwise. Test: £35,000 a year, England, no pension, no student loan, standard tax code, 2026/27.
Small differences in the £35,000 test are expected. Money Worked Out uses the £12,579 of tax-free pay that the standard 1257L tax code gives on a payslip, as HMRC's own estimator does. A site that uses the £12,570 Personal Allowance instead shows £1.80 more Income Tax a year.
Checked on 3 October 2026.
Questions
Which calculator should you use for unsocial hours?
nhstakehome.co.uk covers unsocial hours and on-call pay. mynhstakehomecalculator.co.uk also has night, Sunday and bank holiday enhancement inputs. Money Worked Out does not model these NHS enhancements.
Does Money Worked Out include the NHS Pension?
Yes. Its NHS calculator includes tiered NHS Pension contributions and shows every step of the calculation.
Which calculators support Scottish tax and Plan 5?
nhstakehome.co.uk, mynhstakehomecalculator.co.uk, Money Worked Out and My Pay Calculator support both. NHS Bands supports neither.
Can you compare pay points across tax years?
NHS Bands shows every band and pay point for two tax years side by side, with a deductions pop-up for each choice.