2026/27 pay calculator
NHS take-home pay calculator
Estimate NHS Agenda for Change take-home pay in England by band, step, hours and London supplement for 2026/27.
Your details
Pension & student loansScheme pension included · No student loan
Input guidance
- Pay step
- Use the step on your payslip.
- Member of the pension scheme
- Models the cash deduction only. It does not value pension benefits or recommend opting out.
Your estimate
Average monthly take-home
£2,040.23
2026/27 estimate. Actual payslips can differ.
Pay breakdown
| Monthly average | Amount |
|---|---|
| Gross pay | £2,672.75 |
| Income Tax | £280.67 |
| National Insurance | £130.02 |
| Employee pension | £221.84 |
| Student loans | £0.00 |
| Take-home pay | £2,040.23 |
How this estimate works
Employee pension rate: 8.3%. Pension is deducted from the pensionable pay entered before Income Tax, but does not reduce NI. Annual pay is held constant throughout the tax year.
- Annual basic pay
- £32,073.00
- Annual London supplement
- £0.00
Includes your figures. Share only with people you choose.
More about this calculation
Choose your band, step and contracted hours
England Agenda for Change basic pay is adjusted from a 37.5-hour full-time week. The London supplement is calculated with its minimum and maximum at full time, then reduced for part-time hours. The basic pay and supplement are treated as pensionable.
Your NHS pension changes the deduction
The employee contribution tier is based on the actual annual pensionable pay modelled here. The tier’s percentage applies to the whole pensionable amount. It reduces Income Tax but not NI. Crossing a tier can change the size of the take-home increase.
Coverage and exclusions
This covers ordinary Agenda for Change pay in England from April 2026. It excludes doctors’ contracts, bank work, unsocial-hours enhancements, overtime, arrears, salary sacrifice and Scotland, Wales or Northern Ireland pay scales. Progression is not automatic simply because time has passed.
Compare Band 5, Band 6 and Band 7
Change the band and step to compare your current pay with a possible role. Check where you would enter the new band and whether your hours or London supplement would change. The reference table uses full-time entry pay, NHS pension and no student loan.
Worked example
With these settings, average monthly take-home is £2,040.23. This example stays fixed when you change the calculator.
- NHS band
- Band 5
- Pay step
- Entry
- Contracted hours each week
- 37.5
- NHS London supplement
- None
- Member of the pension scheme
- Yes
- Undergraduate student loan
- None
- Postgraduate loan
- No
Annual gross pay of £32,073.00 minus Income Tax of £3,368.00, NI of £1,560.24, employee pension of £2,662.06 and student loans of £0.00 leaves £24,482.70 for the year.
NHS pay by band
Sources & assumptions
Checked 25 October 2026
- NHS Employers: pay scales 2026/27
- NHS pension member contributions
- Income Tax rates
- National Insurance rates
- Student-loan repayments
Salary estimates assume a standard Personal Allowance, employee NI category A and even monthly pay. Individual tax codes, benefits and payroll adjustments can change your payslip.
Read the calculation assumptionsHow the salary calculation works