NHS Pay Calculator 2026/27
Know Your Real Take-Home Pay in Seconds
Pick your Agenda for Change band and see exactly what lands in your bank account, after PAYE income tax, National Insurance, NHS Pension (2015 CARE Scheme), and student loan deductions.
Standard NHS baseline is 37.5 hrs/wk (1.0 FTE)
Nights & Sats +30% | Suns & Bank Hols +60%
+£250.74 / mo directly into your account after PAYE Tax, National Insurance, and 8.3% CARE Pension deductions.
tuneAdvanced Statutory Tax & Pension Configurationexpand_more
£39,368
−£907 / mo
Statutory model synchronised with 2026/27 NHS Pension Tier Threshold updates & Autumn Statement NIC rates.
Side-by-Side Promotion & Step Comparator
Evaluate the real cash-in-pocket gain when stepping from Band 5 (Top) to Band 6 (Entry) after pension tier shifts and tax adjustments.
Scenario A (Current Post)
Scenario B (Proposed Post / Promotion)
Net Take-Home Difference (B vs A)
Exact bottom-line impact after tax, NI, and pension tier adjustments
Actual change in your monthly bank deposit
Headline contractual earnings shift
You keep 64p in every £1 of this pay rise
| Pay Element | Scenario A | Scenario B | Differential |
|---|---|---|---|
| Base Basic Salary | £39,043 | £39,959 | +£916 |
| London Weighting (HCAS) | £0 | £0 | +£0 |
| Unsocial Hours Enhancements | £0 | £0 | +£0 |
| Total Gross Pay | £39,043 | £39,959 | +£916 |
| NHS Pension (9.8% vs 9.8%) | −£3,826 | −£3,916 | +£90 |
| PAYE Income Tax | −£4,529 | −£4,695 | +£165 |
| National Insurance (8%/2%) | −£2,118 | −£2,191 | +£73 |
| Net Take-Home Pay (Annual) | £28,569.59 | £29,157.29 | +£587.70 |
| Net Take-Home Pay (Monthly Deposit) | £2,380.80/mo | £2,429.77/mo | +£48.97/mo |
Official Electronic Staff Record (ESR) Payslip Replica
Exact visual mimic of standard NHS ESR itemized payroll statements for mortgage, tenancy, or verification checks.
Band Step-Up & Promotion Value
Salary increase when progressing from one band entry point to the next
Gross annual increase upon promotion
Gross annual increase upon promotion
Gross annual increase upon promotion
Gross annual increase upon promotion
The Most Popular Clinical Bands
Key milestone points for Bands 5, 6, and 7 where majority of clinical staff operate
Band 5
£32,073 gross/yrNewly qualified nurses, ODPs, paramedics and AHPs
Band 6
£39,959 gross/yrExperienced specialists, deputy ward sisters, senior paramedics
Band 7
£49,387 gross/yrAdvanced clinical practitioners, ward managers, clinical team leads
Example Scenarios: What Your Pay Could Look Like
Worked payroll examples for typical NHS professions under 2026/27 rules
Newly Qualified Nurse (RN)
Band 5 · £32,073 FTE · Full time (37.5h) · Plan 2 Student Loan
Senior Physiotherapist
Band 7 · £51,932 FTE · 30 hours/week part-time · Standard tax
Healthcare Assistant (HCA)
Band 3 · £27,476 FTE · Full time · Top of pay band
Senior Paramedic (Shift Worker)
Band 6 · £42,170 FTE · 2x Night Shifts (23h) · Section 2 Uplift
Keyworker Financial Planning & Tax Efficiency
Practical strategies to optimize your 2026/27 take-home earnings and pension wealth
NHS Additional Voluntary Contributions (AVCs) & SIPPs
NHS employees in the 2015 Scheme can make tax-relieved AVCs or contribute to a personal SIPP to build supplementary pension capital, claiming 20% to 40% income tax relief on all contributions.
Tax-Free High-Yield Cash ISAs (4.85%+ AER)
Keep your monthly take-home surplus fully sheltered from HMRC tax with FSCS-protected Cash ISAs. Every UK adult has a £20,000 annual allowance where all interest earned is completely free of income tax.
Specialist Mortgages for NHS Staff & Clinicians
Standard high-street lenders often penalize unsocial enhancements and NHS bank shift earnings. Specialist keyworker mortgage brokers assess 100% of your total gross earnings for higher borrowing multiples.
NHS Electric Vehicle Salary Sacrifice Schemes
By taking an ultra-low emission car through an approved NHS salary sacrifice lease, lease payments are deducted from gross basic pay before Income Tax and National Insurance, saving 30% to 42% on running costs.
Regulatory Notice: NetPayScale UK provides independent calculations. Partner services are FCA-regulated UK entities. Capital is at risk when investing.
Agenda for Change Pay Scale Reference (Bands 2–9)
National basic pay rates for 2026/27 reflecting the official 3.3% pay uplift (standard 37.5h week)
| Pay Band | Entry Salary | Entry Hourly | Top of Band | Years to Top | Typical NHS Job Titles | Action |
|---|---|---|---|---|---|---|
| Band 2 | £25,272 | £12.92/hr | £25,272 | Single point | Healthcare Assistant, Clinical Support Worker, Phlebotomist | |
| Band 3 | £25,760 | £13.17/hr | £27,476 | 2 years | Senior Healthcare Assistant, Emergency Care Assistant, Pharmacy Assistant | |
| Band 4 | £28,392 | £14.52/hr | £31,157 | 3 years | Nursing Associate, Assistant Practitioner, Pharmacy Technician | |
| Band 5 | £32,073 | £16.40/hr | £39,043 | 4 years | Staff Nurse (RN), Newly Qualified Paramedic, Physiotherapist | |
| Band 6 | £39,959 | £20.44/hr | £48,117 | 5 years | Junior Sister / Charge Nurse, Senior Paramedic, Specialist Physiotherapist | |
| Band 7 | £49,387 | £25.26/hr | £56,515 | 5 years | Ward Manager / Sister, Advanced Clinical Practitioner (ACP), Advanced Paramedic | |
| Band 8a | £57,528 | £29.42/hr | £64,750 | 5 years | Matron, Principal Clinical Psychologist, Advanced Nurse Consultant | |
| Band 8b | £66,582 | £34.05/hr | £77,368 | 5 years | Senior Matron, Consultant Clinical Psychologist, Head of Clinical Services | |
| Band 8c | £79,504 | £40.66/hr | £91,609 | 5 years | Head of Nursing, Associate Director, Consultant Scientist | |
| Band 8d | £94,356 | £48.26/hr | £108,814 | 5 years | Deputy Director of Nursing, Chief Pharmacist (Large Trust), Director of Operations | |
| Band 9 | £112,782 | £57.68/hr | £129,783 | 5 years | Director of Nursing, Chief Operating Officer, Director of Clinical Strategy |
London Weighting Regulations (HCAS)
Agenda for Change Section 4 and Annex 9 statutory High Cost Area Supplements
Inner London
+20% of basicApplies to NHS Trusts situated in central London boroughs including Camden, Islington, Westminster, City of London, Kensington & Chelsea, Southwark, Lambeth, and Tower Hamlets.
Outer London
+15% of basicApplies to NHS Trusts in outer London boroughs including Barnet, Croydon, Bromley, Kingston, Richmond, Enfield, Hounslow, and Ealing.
Fringe (London Border)
+5% of basicApplies to designated NHS Trusts bordering Greater London, including Dartford, Slough, Epsom, St Albans, and West Essex.
Regional Pay Scales & Role Directory
Pre-configured salary models for specific NHS Trusts, clinical roles, and geographic weighting zones
Healthcare Assistant in Inner London
Official 2026/27 NHS Band 2 Healthcare Assistant salary and take-home pay in Inner London (including 20% Inner London HCAS weighting). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Healthcare Assistant in Outer London
Official 2026/27 NHS Band 2 Healthcare Assistant salary and take-home pay in Outer London (including 15% Outer London HCAS weighting). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Healthcare Assistant in Fringe Border
Official 2026/27 NHS Band 2 Healthcare Assistant salary and take-home pay in Fringe Border (including 5% Fringe weighting). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Healthcare Assistant in Birmingham & Solihull
Official 2026/27 NHS Band 2 Healthcare Assistant salary and take-home pay in Birmingham & Solihull (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Healthcare Assistant in Greater Manchester
Official 2026/27 NHS Band 2 Healthcare Assistant salary and take-home pay in Greater Manchester (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Healthcare Assistant in Newcastle & North East
Official 2026/27 NHS Band 2 Healthcare Assistant salary and take-home pay in Newcastle & North East (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Healthcare Assistant in Liverpool & Merseyside
Official 2026/27 NHS Band 2 Healthcare Assistant salary and take-home pay in Liverpool & Merseyside (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Healthcare Assistant in Southampton & Hampshire
Official 2026/27 NHS Band 2 Healthcare Assistant salary and take-home pay in Southampton & Hampshire (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Healthcare Assistant in Scotland
Official 2026/27 NHS Band 2 Healthcare Assistant salary and take-home pay in Scotland (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Healthcare Assistant in Northern Ireland
Official 2026/27 NHS Band 2 Healthcare Assistant salary and take-home pay in Northern Ireland (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Clinical Support Worker in Inner London
Official 2026/27 NHS Band 2 Clinical Support Worker salary and take-home pay in Inner London (including 20% Inner London HCAS weighting). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Clinical Support Worker in Outer London
Official 2026/27 NHS Band 2 Clinical Support Worker salary and take-home pay in Outer London (including 15% Outer London HCAS weighting). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Clinical Support Worker in Fringe Border
Official 2026/27 NHS Band 2 Clinical Support Worker salary and take-home pay in Fringe Border (including 5% Fringe weighting). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Clinical Support Worker in Birmingham & Solihull
Official 2026/27 NHS Band 2 Clinical Support Worker salary and take-home pay in Birmingham & Solihull (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Clinical Support Worker in Greater Manchester
Official 2026/27 NHS Band 2 Clinical Support Worker salary and take-home pay in Greater Manchester (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Clinical Support Worker in Newcastle & North East
Official 2026/27 NHS Band 2 Clinical Support Worker salary and take-home pay in Newcastle & North East (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Clinical Support Worker in Liverpool & Merseyside
Official 2026/27 NHS Band 2 Clinical Support Worker salary and take-home pay in Liverpool & Merseyside (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Clinical Support Worker in Southampton & Hampshire
Official 2026/27 NHS Band 2 Clinical Support Worker salary and take-home pay in Southampton & Hampshire (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Clinical Support Worker in Scotland
Official 2026/27 NHS Band 2 Clinical Support Worker salary and take-home pay in Scotland (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Clinical Support Worker in Northern Ireland
Official 2026/27 NHS Band 2 Clinical Support Worker salary and take-home pay in Northern Ireland (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Phlebotomist in Inner London
Official 2026/27 NHS Band 2 Phlebotomist salary and take-home pay in Inner London (including 20% Inner London HCAS weighting). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Phlebotomist in Outer London
Official 2026/27 NHS Band 2 Phlebotomist salary and take-home pay in Outer London (including 15% Outer London HCAS weighting). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Phlebotomist in Fringe Border
Official 2026/27 NHS Band 2 Phlebotomist salary and take-home pay in Fringe Border (including 5% Fringe weighting). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
Phlebotomist in Birmingham & Solihull
Official 2026/27 NHS Band 2 Phlebotomist salary and take-home pay in Birmingham & Solihull (under UK national Agenda for Change pay scales). Accurate breakdown of monthly net pay, pension deductions, income tax, and shift uplifts.
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Frequently Asked Questions
Key guidance on NHS Agenda for Change payroll, taxation, and pension mechanics