NHS Bank Shift & Overtime Net Pay Calculator 2026/27
Find out exactly how much net cash-in-pocket you take home from an extra 7.5h, 11.5h, or 12h NHS bank or overtime shift after marginal PAYE Income Tax, National Insurance, Student Loan, and the 12.07% WTR holiday uplift.
Bank & Overtime Shift Setup
2026/27 Agenda for Change marginal net pay
Net Cash Per Shift
£187
Gross: £296 / shift
Monthly Boost (2 Shifts)
+£373
Gross: +£593 / mo
Net Hourly Take-Home
£16.24/hr
Gross: £25.77/hr
PAYE Tax (20%)
-£59
NI (8%)
-£24
Student Loan (9%)
-£27
NHS Pension
-£0
Band 5 (After 2 years (Mid)) — 11.5-Hour Shift Comparison
Compare gross vs. net cash-in-pocket across every shift enhancement rate
| Shift Rate Type | Gross / Hr | Gross (11.5h) | Deductions | Net Cash (11.5h) |
|---|---|---|---|---|
| Weekday Day (1.0x) | £19.83/hr | £228 | -£84 | £144 |
| Night / SaturdaySelected | £25.77/hr | £296 | -£110 | £187 |
| Sunday / Bank Holiday | £31.72/hr | £365 | -£135 | £230 |
| Overtime (1.5x) | £26.54/hr | £305 | -£113 | £192 |
| Bank Holiday OT (2.0x) | £35.38/hr | £407 | -£151 | £256 |
Why Bank Shifts Are NOT “Taxed at 50%” Unless You Cross £50,270 or Have a Student Loan:
Because your personal tax-free allowance (£12,570) is already used up by your main substantive NHS salary, every £1 of extra bank or overtime pay is taxed at your marginal rate. For a Basic Rate taxpayer (total earnings under £50,270), deductions are 20% PAYE Tax + 8% National Insurance = 28% (you keep 72p of every £1). If you also repay a Student Loan (+9%) and NHS Pension (+9.8%), total deductions are ~45%, meaning you still take home ~55% of the gross shift value.
2026/27 NHS 11.5-Hour Bank Shift Pay Chart (Gross vs. Net Take-Home)
Entry-step rates for an 11.5-hour paid ward shift (including 12.07% WTR holiday uplift; Net assumes Basic Rate 20% Tax + 8% NI, or 40% Tax + 2% NI above £50,270).
| NHS Band (Entry) | Base Hourly | Weekday 11.5h (Net) | Night / Sat 11.5h (Net) | Sunday / BH 11.5h (Net) |
|---|---|---|---|---|
| Band 2 (£25,272) | £12.92/hr | £120 (£167 gross) | £176 (£245 gross) | £219 (£305 gross) |
| Band 3 (£25,760) | £13.17/hr | £122 (£170 gross) | £167 (£233 gross) | £210 (£292 gross) |
| Band 4 (£28,392) | £14.52/hr | £135 (£187 gross) | £175 (£243 gross) | £216 (£299 gross) |
| Band 5 (£32,073) | £16.40/hr | £152 (£211 gross) | £198 (£275 gross) | £243 (£338 gross) |
| Band 6 (£39,959) | £20.44/hr | £190 (£263 gross) | £247 (£342 gross) | £303 (£421 gross) |
| Band 7 (£49,387) | £25.26/hr | £234 (£326 gross) | £305 (£423 gross) | £375 (£521 gross) |
| Band 8a (£57,528) | £29.42/hr | £220 (£379 gross) | £286 (£493 gross) | £352 (£607 gross) |
Frequently Asked Questions: NHS Bank Shifts & Overtime
1. Why is my bank payslip on a “BR” (Basic Rate) tax code?
When you hold a separate NHS Bank assignment (or work via NHS Professionals), HMRC assigns your £12,570 tax-free Personal Allowance to your primary substantive post (`1257L`) and places your secondary bank post on a `BR` (20% flat deduction) or `D0` (40%) code so you never underpay tax at the end of the financial year.
2. Is NHS overtime pensionable?
Contractual overtime worked above 37.5 hours per week (paid at 1.5x time-and-a-half or 2.0x on Bank Holidays) is non-pensionable under the 2015 NHS Pension Scheme. However, additional hours worked by part-time staff up to 37.5 hours per week (plain time) and separate Bank shifts (if you haven't opted out on your bank assignment) are pensionable up to whole-time equivalent hours.
3. Does working extra bank shifts push my main salary into a higher pension tier?
No. Your substantive post's NHS Pension contribution tier is determined by your pensionable earnings in that post (and overtime above 37.5 hours is non-pensionable). Separate bank assignments are assessed separately unless aggregated under specific part-time rules.
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