Use this NHS Pay Calculator to estimate your 2026/27 gross and take-home pay by Agenda for Change band, increment and work pattern. This NHS Salary Calculator includes estimated Income Tax, National Insurance and NHS pension deductions; see our NHS salary after tax (2026/27) guide for details.
Calculate Your NHS Pay for 2026/27
Gross: £0.00
Income Tax: £0.00
NI: £0.00
Pension: £0.00
Net: £0.00
Monthly: £0.00
Explore NHS Pay and Salary Calculators
Choose a calculator to explore NHS pay bands, take-home pay, pension deductions, working patterns, sick pay and other payroll-related estimates.
💷 How NHS Pay Bands Work
The NHS uses the Agenda for Change (AfC) pay system, covering most non-medical staff.
Most non-medical NHS roles are grouped into Agenda for Change pay bands. This calculator covers Band 2 to Band 9, with each band reflecting different levels of responsibility, skills and experience.
Your band and pay step determine your basic salary. Progression to a higher pay step depends on the applicable pay-step date, required time in the band and the relevant pay-progression process. NHS pension contributions are estimated from pensionable earnings. For instance, knowing what the starting salary for NHS Band 5 is can help new nurses plan financially, while understanding the difference between Band 5 and Band 6 NHS salary helps when aiming for promotions.
🧾 How to Calculate NHS Salary Step-by-Step
Here’s how to use the NHS Salary Calculator:
1. Choose your pay band and step
Select the relevant Agenda for Change band and increment. You can review the available rates in the NHS Pay Bands Overview (Band 1 to Band 9).
2. Enter your work pattern
Use the FTE proportion field—for example, enter 1 for full-time or 0.5 for half-time.
3. Select your NHS Pension Scheme status
Choose Yes to include an estimated NHS pension contribution or No to exclude it.
4. Enter an annual salary if required
You can use the optional annual-salary field when you want to calculate from a specific gross salary instead of the selected band value.
5. View your estimated results
The calculator displays gross pay, Income Tax, National Insurance, NHS pension, annual net pay and estimated monthly take-home pay.
💰 How NHS Take-Home Pay is Calculated
Your estimated take-home pay depends on several factors:
Gross pay: The annual salary selected from the relevant pay band and step, or the salary entered manually.
Work pattern: The FTE proportion adjusts the selected salary for full-time or part-time work.
Income Tax and National Insurance: Estimated using the applicable 2026/27 thresholds and rates included in the calculator.
NHS pension: An estimated contribution is included when NHS Pension Scheme membership is selected.
Together, these inputs show how NHS take-home pay differs by band, work pattern and pension status. Actual payslips may differ because of tax codes, local allowances and other payroll deductions.
📊 Example: NHS Band 5 Staff Nurse (2026/27)
Let’s look at a Band 5 Staff Nurse (Step 1) working full-time (37.5 hrs/week) outside London.
| Description | Amount (£) |
|---|---|
| Gross Annual Salary | £32,073 |
| Pension Contribution (8.3%) | −£2,662.06 |
| Income Tax & NI | −£4,928.43 |
| Estimated Take-Home Pay | £24,482.51 per year (£2,040.21/month) |
This illustrative example shows how estimated pension, Income Tax and National Insurance deductions can affect take-home pay.
This example uses an outside-London salary and does not include High Cost Area Supplements or other local allowances. To estimate deductions from a salary that already includes an allowance, enter the adjusted annual gross salary manually.
💡 NHS Pay Comparisons
Understanding pay differences between professions helps you make informed career choices.
- What is the average NHS nurse salary? It varies depending on the NHS pay band, pay step, work location, and applicable allowances.
- NHS Pharmacist vs Physiotherapist Pay: Pay depends on the applicable Agenda for Change band, job profile, experience and pay step. Compare the typical pay structures for these roles in our detailed pharmacist and physiotherapist pay comparison.
These insights make it easier to explore your NHS career path with confidence.
🧮 Why Use the NHS Salary Calculator?
✅ Compare bands and roles before applying for new positions.
✅ Understand how NHS pay bands work and what impacts your take-home pay.
✅ Review an estimate of how NHS pension contributions may affect monthly take-home pay.
✅ Plan your finances with clear insight into gross vs net pay differences.
✅ Quickly compare estimated pay and deductions across different Agenda for Change bands and steps.
It helps translate NHS pay-band values into an estimated breakdown of gross pay, deductions and take-home pay.
🔍 Difference Between NHS Salary Calculator and Tax Calculator
A general UK salary calculator typically focuses on Income Tax and National Insurance.
In contrast, the NHS Salary Calculator also includes:
- Agenda for Change banded pay
- Estimated NHS pension contributions
This provides an NHS-focused salary breakdown (gross vs net pay) that includes estimated pension contributions alongside Income Tax and National Insurance.
👥 Who Can Use It?
This tool is intended for NHS staff whose pay follows Agenda for Change, including:
- Nurses and midwives
- Pharmacists and physiotherapists
- Administrative and clerical staff
- Healthcare assistants
- Managers and technical staff
(Doctors and Dentists follow the Medical & Dental Pay Scales instead.)
Make Your NHS Pay Estimate Fit Your Situation
Convert your weekly hours into an FTE proportion
If your job advert lists a full-time salary but you work fewer hours, divide your contracted weekly hours by the full-time hours for that role. For example, 30 hours out of 37.5 gives 0.8 FTE; 22.5 hours gives 0.6. Enter that proportion in the work-pattern field. If you use the annual salary override instead, enter your actual part-time annual gross pay: the calculator uses that figure directly, without reducing it again.
Using the calculator for a nursing job offer
Looking at your first nursing role or considering a move? Use the band and pay step stated in the offer rather than choosing a salary from your job title alone. As an NHS nurse pay calculator, this tool uses the same Agenda for Change inputs as it does for other covered roles. Check the offer’s contracted hours too, especially when comparing a full-time post with a part-time vacancy.
Check deductions that are outside this estimate
A student loan, a different tax code or a salary sacrifice arrangement can change the amount that reaches your bank account. This calculator has no separate inputs for those adjustments, so its result should not be treated as a personalised payslip forecast. Entering a different gross salary does not automatically model every adjustment or distinguish pensionable from non-pensionable income. Check those details separately when planning your budget.
Choose the right basis for your work location
The band selector uses England pay values. For a role in Scotland, Wales or Northern Ireland, use the regional tools listed above and check their assumptions. This page does not automatically add a London High Cost Area Supplement. Even when you enter a salary that includes an allowance, the calculator cannot separately classify that allowance for pension purposes.
Compare monthly figures on the same basis
When weighing up two offers, keep the work pattern and pension selection consistent. The monthly gross equivalent is annual gross pay divided by 12; the displayed Monthly result is estimated annual net pay divided by 12. That average is useful for budgeting, but a month with extra shifts, arrears or payroll corrections may look different. Use the estimate alongside the offer details, then check your first payslip before committing to a new monthly budget.
FAQs
Q1: Is the NHS Salary Calculator accurate?
The calculator provides an estimate using the 2026/27 pay values, thresholds and contribution assumptions included on this page. Actual payslips may differ because of tax codes, allowances, payroll adjustments and other deductions.
Q2: Does it include overtime or unsocial hours?
The main calculator does not include separate fields for overtime or unsocial-hours enhancements. If you already know your adjusted annual gross salary, you can enter it manually to estimate the resulting deductions and take-home pay.
Q3: Can I use it for part-time roles?
Yes. Enter your work pattern as an FTE proportion—for example, use 1 for full-time or 0.5 for half-time.
Q4: Where can I check official NHS pay scales?
You can check the official 2026/27 Agenda for Change pay scales on NHS Employers.