Money Worked Out

NHS take-home pay calculator 2026/27

Estimated take-home pay a month

£2,040.36

£24,484.31 a year from gross pay of £32,073.00

Your details

Contracted hours, from 1 to 37.5 a week.

Add nights, weekends, London weighting and extra hours

Use weekly averages for a typical week. Unsocial hours form part of your contracted hours. Put hours above your contract in extra hours.

Part of your contracted hours, after applying the whole-shift rule below.

Part of your contracted hours. Do not count these again as night or Saturday hours.

High cost area supplement (HCAS), scaled to your contracted hours.

All hours above your contracted hours, including public holiday extra hours.

The public holiday share of your extra hours. These count as overtime first.

Whole-shift rule: if more than half of a continuous weekday evening or night shift falls between 8pm and 6am, count the whole shift at the first rate. Apply this before entering your night hours. Sunday and public holiday hours use the second rate.

Your NHS pay and deductions
Pay or deductionA yearA month
Basic pay£32,073.00£2,672.75
Nights and weekends£0.00£0.00
London weighting (HCAS)£0.00£0.00
Extra hours at plain time£0.00£0.00
Overtime£0.00£0.00
Gross pay£32,073.00£2,672.75
Pensionable pay£32,073.00£2,672.75
NHS Pension (8.3%)£2,662.06£221.84
Income tax£3,366.39£280.53
National Insurance£1,560.24£130.02
Student loans£0.00£0.00
Take-home pay£24,484.31£2,040.36

How this was worked out
  1. Basic pay: £32,073.00 × 37.5 ÷ 37.5 = £32,073.00 a year. Standard week.
  2. Hourly rate shown: £16.40. We use the exact rate: full-time salary × 7 ÷ 365 ÷ 37.5. Weekly pay rule. The handbook sets weekly pay as 7/365 of salary but does not fix an hourly divisor for overtime. Your employer may differ by a few pence an hour.
  3. Nights and weekends: exact hourly rate × (0 hours × 30% + 0 hours × 60%) × 365 ÷ 7 = £0.00 a year. HCAS is excluded from the base. Unsocial hours rates.
  4. London weighting (high cost area supplement, HCAS): £0.00 a year. The full-time percentage is limited by the area's minimum and maximum, then multiplied by 37.5 ÷ 37.5. Part-time rule.
  5. Extra hours at plain time: exact hourly rate × hours up to the standard week × 365 ÷ 7 = £0.00 a year. Extra hours rule.
  6. Overtime above 37.5 hours: exact hourly rate × overtime hours × 1.5 (or 2 for public holidays) × 365 ÷ 7 = £0.00 a year. Public holiday extra hours count as overtime hours first, up to the hours above the standard week. Overtime rates.
  7. Gross pay: the five rounded annual components total £32,073.00. We round each annual component once to pennies, half up, combining both unsocial rates and both overtime rates before rounding. Monthly amounts are annual amounts divided by 12, rounded half up.
  8. Pensionable pay: basic pay + regular unsocial pay + HCAS + plain-time extra hours up to the standard week = £32,073.00. Hours above the standard week are excluded, even when paid at plain time. Pensionable extra hours; Regular unsocial pay; Pensionable HCAS. Check your payroll's treatment of regular payments.
  9. NHS Pension tier 3: 8.3% of actual pensionable pay = £2,662.06 a year. This is taken before income tax but does not reduce National Insurance or student loan pay. NHS Pension tiers.
  10. This is a whole-year tax estimate using the standard tax code, rest of UK income tax and the student loans you selected. A monthly payslip can differ.
  11. Salary: £32,073
  12. Pension (net pay): £32,073 × 8.3% = £2,662.06, taken off before tax
  13. Personal allowance: £12,570. Payroll applies it as tax code 1257L, which gives £12,579 of tax-free pay.
  14. Taxable income: £29,410.94 − £12,579 = £16,831.94
  15. Basic rate: £16,831.94 × 20% = £3,366.39
  16. Income tax: £3,366.39
  17. National Insurance: (£32,073 − £12,570) × 8% = £1,560.24
  18. Take-home pay: £32,073 − £3,366.39 − £1,560.24 − £2,662.06 = £24,484.31

Calculators

  • Nurse pay

    What NHS nurses take home in 2026/27 on Agenda for Change Bands 5 to 8a, after the NHS Pension, income tax and National Insurance.

  • Resident doctor pay

    Take-home pay for resident doctors in England in 2026/27, from FY1 to ST8, after the NHS Pension, income tax and National Insurance.

Where your employer may differ

  • The handbook sets weekly pay as 7/365 of salary but does not fix an hourly divisor for overtime. We divide weekly pay by standard weekly hours. Your employer's hourly rate can differ by a few pence.
  • You apply the whole-shift rule before entering your hours. We do not infer it from a rota.
  • For England and Wales bands 8a to 9, pay above the standard week is a local arrangement. We show plain time: check your contract.
  • Local HCAS harmonisation under handbook section 4.6 can change London weighting.
  • Sickness and annual-leave averaging of enhancements are not modelled.

This calculator does not cover ambulance staff under Annex 5, on-call pay, bank shifts on a separate contract or recruitment and retention premiums. It uses contribution tiers without modelling differences between the 2015, 1995 and 2008 pension sections. Tax is a whole-year estimate with the standard tax code. Your numbers stay in this browser.

Work out take-home pay for NHS Agenda for Change staff in England, Wales or Scotland for 2026/27. Choose your band, point and contracted hours, then add nights, weekends, London weighting or extra hours. The working shows each payment and its pension effect.

Take-home by band, point 1, England
BandSalaryTake-home a yearTake-home a month
Band 1£25,272£20,403.10£1,700.26
Band 2£25,272£20,403.10£1,700.26
Band 3£25,760£20,729.08£1,727.42
Band 4£28,392£22,487.26£1,873.94
Band 5£32,073£24,484.31£2,040.36
Band 6£39,959£29,159.10£2,429.93
Band 7£49,387£35,208.10£2,934.01
Band 8a£57,528£40,233.94£3,352.83
Band 8b£66,582£44,904£3,742
Band 8c£79,504£50,710.52£4,225.88
Band 8d£94,356£58,210.78£4,850.90
Band 9£112,782£67,515.91£5,626.33

Where the pay scales come from

The England figures use the Agenda for Change scale published by NHS Employers for 2026/27. NHS Scotland sets its own scale through a separate pay circular, and its rates are higher at every band, so the calculator treats Scotland as a separate scale as well as a separate tax system.

Wales uses its own published Agenda for Change scale. Northern Ireland is not covered. Every source is listed on the sources page with the date it was checked.

How the NHS Pension contribution is set

The NHS schemes use contribution tiers. The tier depends on actual pensionable pay and its rate applies to all that pay. Regular unsocial pay, HCAS and extra hours up to the standard week count. Hours above the standard week do not count, even when paid at plain time.

For part-time staff, basic pay is the full-time salary multiplied by contracted hours divided by the standard week shown in the form. Scotland has its own standard week and pension tiers. England and Wales use the same pension tiers.

The contribution is taken from pay before income tax, so it reduces the tax bill. It does not reduce National Insurance, which is charged on the full salary.

What the results assume

The starting result includes basic pay and NHS Pension contributions. The closed section adds regular nights and weekends, England London weighting and extra hours. You can turn the pension off or add student loans. Annual amounts are rounded to pennies, half up, before monthly amounts are worked out. A payslip can differ because tax is estimated over a whole year. The methodology page gives the tax method. Use the take-home pay calculator for other salaries or the teacher pay calculator for teaching.

Questions

Does the calculator cover NHS Wales or Northern Ireland?

Wales is included using its own Agenda for Change scale, with points numbered from 1 in the order listed in the Welsh pay circular. Northern Ireland is not covered.

Why does my NHS Pension rate change when I go part time?

The contribution tier is based on the pay actually received, so a part-time salary is placed by its own amount. Lower part-time pay can fall in a lower tier with a lower rate.

Are overtime and unsocial hours included?

Yes. Open the extra pay section to add weekly averages for nights, weekends and extra hours. Unsocial hours are part of your contracted hours. Extra hours above the standard week are shown separately and do not count towards pensionable pay.

Is the NHS Pension taken before or after tax?

Before income tax. The contribution comes off pay before income tax is worked out, so the member pays less income tax. National Insurance is still charged on the full salary.