NHS Band 9 pay after tax
Take-home pay a month
£5,626.33
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.
| Pay point | Salary | Pension | Take-home a year | Take-home a month |
|---|---|---|---|---|
| Entry | £112,782 | £14,097.75 | £67,515.91 | £5,626.33 |
| Intermediate | £119,583 | £14,947.88 | £70,022.41 | £5,835.20 |
| Top | £129,783 | £16,222.88 | £73,389.41 | £6,115.78 |
Pay scale: www.nhsemployers.org/system/files/2026-02/2026%20AfC%20pay%20scales.pdf, effective 1 April 2026
| Pay point | Salary | Pension | Take-home a year | Take-home a month |
|---|---|---|---|---|
| Point 1 | £127,521 | £16,195.17 | £68,388.69 | £5,699.06 |
| Point 2 | £133,044 | £16,896.59 | £69,845.60 | £5,820.47 |
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.