NHS Band 9 pay after tax

A full-time Band 9 salary in England starts at £112,782. After income tax, National Insurance and NHS Pension contributions you take home £5,626.33 a month.

Band 9 is the highest Agenda for Change band. In England it pays £112,782 to £129,783 in 2026/27, which leaves £5,626.33 to £6,115.78 a month after deductions. The middle and top points lose part of the personal allowance, so each extra pound there is taxed more heavily than at any other England NHS point.

Estimated take-home pay a month

£5,626.33

£67,515.91 a year from gross pay of £112,782.00

Your details

Where you work EnglandWalesScotland

Band Band 1Band 2Band 3Band 4Band 5Band 6Band 7Band 8aBand 8bBand 8cBand 8dBand 9

Pay point EntryIntermediateTop

Hours a week

Contracted hours, from 1 to 37.5 a week.

I pay into the NHS Pension Scheme

Student loan None Plan 1 Plan 2 Plan 4 (Scotland) Plan 5 Postgraduate loan as well

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.

Night and Saturday hours a week

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

Sunday and public holiday hours a week

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

London weighting area (England only) NoneInner LondonOuter LondonFringe

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

Extra hours a week

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

Public holiday extra hours a week

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.

CalculateReset

Your NHS pay and deductions

Pay or deduction	A year	A month
Basic pay	£112,782.00	£9,398.50
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	£112,782.00	£9,398.50
Pensionable pay	£112,782.00	£9,398.50
NHS Pension (12.5%)	£14,097.75	£1,174.81
Income tax	£26,902.10	£2,241.84
National Insurance	£4,266.24	£355.52
Student loans	£0.00	£0.00
Take-home pay	£67,515.91	£5,626.33

How this was worked out

1. Basic pay: £112,782.00 × 37.5 ÷ 37.5 = £112,782.00 a year. Standard week.
2. Hourly rate shown: £57.68. 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. Hours above the standard week: £0.00 a year at plain time, check your contract. Pay for these hours is a local arrangement for this band. Overtime eligibility.
7. Gross pay: the five rounded annual components total £112,782.00. 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 = £112,782.00. 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 6: 12.5% of actual pensionable pay = £14,097.75 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: £112,782
12. Pension (net pay): £112,782 × 12.5% = £14,097.75, 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: £98,684.25 − £12,579 = £86,105.25
15. Basic rate: £37,700 × 20% = £7,540
16. Higher rate: £48,405.25 × 40% = £19,362.10
17. Income tax: £26,902.10
18. National Insurance: (£50,270 − £12,570) × 8% = £3,016, plus (£112,782 − £50,270) × 2% = £1,250.24, total £4,266.24
19. Take-home pay: £112,782 − £26,902.10 − £4,266.24 − £14,097.75 = £67,515.91

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.

Pay scale: www.nhsemployers.org/system/files/2026-02/2026%20AfC%20pay%20scales.pdf, effective 1 April 2026

Pay scale: www.publications.scot.nhs.uk/files/pcs2026-afc-01.pdf, effective 1 April 2026

Band 9 roles

The NHS careers pay rates page gives podiatric consultant (surgery), chief finance manager and director of estates and facilities as examples of Band 9 posts.

The allowance taper across Band 9

The personal allowance of £12,570 falls by one pound for every two pounds of income above £100,000. The NHS Pension is deducted first and counts against that income. At the Band 9 entry point, the pension of £14,097.75 brings income back under the threshold, so the full allowance survives.

The middle point is different. After its pension of £14,947.88, income is above £100,000 and some of the allowance is lost. At the top point more of it goes. Income tax rises from £26,902.10 at entry to £30,210.45 and then £35,564.45.

Inside the taper each extra pound meets the higher rate of 40% and also removes fifty pence of allowance. Take-home still rises, from £67,515.91 to £73,389.41, but from the middle point on, each extra pound of salary adds only about a third of a pound. No Band 9 point in England reaches the additional rate. The salary after tax tables show the taper at other salaries.

Scottish Band 9

NHS Scotland pays Band 9 at £127,521 and £133,044, both higher than the England top point. After the top Scottish pension deduction, both Scottish points are inside the taper and keep only part of the personal allowance.

With the advanced rate of 45% on top, Scottish income tax is £38,376.12 and £41,630.33. Take-home is £68,388.69 and £69,845.60. So the higher of the two Scottish Band 9 salaries leaves less than the England middle point, at £70,022.41. The Band 8d page covers the band below, where every point keeps the full allowance.

Questions

Does Band 9 lose the personal allowance?

Partly. In England the entry point keeps all of it because the NHS Pension brings income under the taper threshold. The middle and top points lose part of it, as do both Scottish points.

What is Band 9 a month after tax?

A full-time Band 9 employee in England takes home £5,626.33 to £6,115.78 a month in 2026/27. The Scottish figures are £5,699.06 and £5,820.47.

Why does Scottish Band 9 take-home trail England's?

Scottish Band 9 salaries are higher, but they meet the advanced rate, the allowance taper and a slightly higher pension rate. The top Scottish point keeps less than the England middle point.