NHS Pay Rise 2027/28 Calculator: 2.4% DHSC Offer & Band 2–9 Net Take-Home Pay
On 19 October 2026, the Department of Health and Social Care (DHSC) and NHS England submitted their joint written evidence to the NHS Pay Review Body (NHSPRB) proposing a 2.4% consolidated pay uplift for Agenda for Change staff in 2027/28 (effective 1 April 2027). Calculate what a 2.4% offer—or a higher PRB recommendation—means for your monthly take-home pay after the 28 October 2026 Autumn Budget frozen tax thresholds.
The 2.4% figure published on 19 October 2026 is the government's opening affordability submission to the NHSPRB (and to the DDRB for doctors and dentists)—not the final confirmed award. Last year, DHSC proposed 2.5% in October 2025 before the PRB recommended the confirmed 3.3% 2026/27 award. If 2.4% were implemented on 1 April 2027:
Interactive 2027/28 NHS Pay Rise & Net Take-Home Simulator
Test the government's 2.4% PRB proposal (19 Oct 2026) or any custom percentage against frozen 2027/28 tax thresholds
Annual gross rises by +£937/yr (+£78/mo gross), yielding +£601/yr in net take-home cash after frozen tax thresholds & pension.
2026/27 vs. 2027/28 (+2.4%) Monthly Payslip Comparison
1. NHS Pay Scales 2027/28 Master Table: Confirmed 2026/27 vs. 2.4% DHSC Proposal (All 25 Spine Points)
Complete Agenda for Change Band 2 to Band 9 arithmetic showing current 2026/27 salaries alongside the government's 2.4% opening proposal and a 3.3% comparator. Scroll horizontally on mobile—the Band column remains pinned.
| Band & Step | 2026/27 Gross (Hr) | 2027/28 at +2.4% (Hr) | Annual Rise (+2.4%) | 2026/27 Net/mo | 2027/28 Net/mo (+2.4%) | Monthly Net Gain |
|---|---|---|---|---|---|---|
| Band 2 (Single Point) | £25,272 (£12.92/hr) | £25,879 (£13.23/hr) | +£607/yr | £1,700/mo | £1,734/mo | +£34/mo |
| Band 3 (Entry) | £25,760 (£13.17/hr) | £26,378 (£13.49/hr) | +£618/yr | £1,727/mo | £1,761/mo | +£34/mo |
| Band 3 (After 2 years (Top)) | £27,476 (£14.05/hr) | £28,135 (£14.39/hr) | +£659/yr | £1,823/mo | £1,860/mo | +£37/mo |
| Band 4 (Entry) | £28,392 (£14.52/hr) | £29,073 (£14.87/hr) | +£681/yr | £1,874/mo | £1,912/mo | +£38/mo |
| Band 4 (After 3 years (Top)) | £31,157 (£15.93/hr) | £31,905 (£16.32/hr) | +£748/yr | £1,990/mo | £2,031/mo | +£41/mo |
| Band 5 (Entry) | £32,073 (£16.40/hr) | £32,843 (£16.80/hr) | +£770/yr | £2,040/mo | £2,082/mo | +£42/mo |
| Band 5 (After 2 years (Mid)) | £34,592 (£17.69/hr) | £35,422 (£18.12/hr) | +£830/yr | £2,177/mo | £2,222/mo | +£45/mo |
| Band 5 (After 4 years (Top)) | £39,043 (£19.97/hr) | £39,980 (£20.45/hr) | +£937/yr | £2,381/mo | £2,431/mo | +£50/mo |
| Band 6 (Entry) | £39,959 (£20.44/hr) | £40,918 (£20.93/hr) | +£959/yr | £2,430/mo | £2,481/mo | +£51/mo |
| Band 6 (After 2 years (Mid)) | £42,170 (£21.57/hr) | £43,182 (£22.08/hr) | +£1,012/yr | £2,548/mo | £2,602/mo | +£54/mo |
| Band 6 (After 5 years (Top)) | £48,117 (£24.61/hr) | £49,272 (£25.20/hr) | +£1,155/yr | £2,866/mo | £2,928/mo | +£62/mo |
| Band 7 (Entry) | £49,387 (£25.26/hr) | £50,572 (£25.86/hr) | +£1,185/yr | £2,934/mo | £3,003/mo | +£69/mo |
| Band 7 (After 2 years (Mid)) | £51,932 (£26.56/hr) | £53,178 (£27.20/hr) | +£1,246/yr | £3,078/mo | £3,151/mo | +£73/mo |
| Band 7 (After 5 years (Top)) | £56,515 (£28.90/hr) | £57,871 (£29.60/hr) | +£1,356/yr | £3,309/mo | £3,367/mo | +£58/mo |
| Band 8a (Entry) | £57,528 (£29.42/hr) | £58,909 (£30.13/hr) | +£1,381/yr | £3,353/mo | £3,412/mo | +£59/mo |
| Band 8a (After 2 years (Mid)) | £60,417 (£30.90/hr) | £61,867 (£31.64/hr) | +£1,450/yr | £3,477/mo | £3,539/mo | +£62/mo |
| Band 8a (After 5 years (Top)) | £64,750 (£33.11/hr) | £66,304 (£33.91/hr) | +£1,554/yr | £3,663/mo | £3,730/mo | +£67/mo |
| Band 8b (Entry) | £66,582 (£34.05/hr) | £68,180 (£34.87/hr) | +£1,598/yr | £3,742/mo | £3,811/mo | +£69/mo |
| Band 8b (After 2 years (Mid)) | £70,896 (£36.26/hr) | £72,598 (£37.13/hr) | +£1,702/yr | £3,863/mo | £3,935/mo | +£72/mo |
| Band 8b (After 5 years (Top)) | £77,368 (£39.57/hr) | £79,225 (£40.52/hr) | +£1,857/yr | £4,136/mo | £4,214/mo | +£78/mo |
| Band 8c (Entry) | £79,504 (£40.66/hr) | £81,412 (£41.64/hr) | +£1,908/yr | £4,226/mo | £4,306/mo | +£80/mo |
| Band 8c (After 2 years (Mid)) | £84,346 (£43.14/hr) | £86,370 (£44.17/hr) | +£2,024/yr | £4,429/mo | £4,514/mo | +£85/mo |
| Band 8c (After 5 years (Top)) | £91,609 (£46.85/hr) | £93,808 (£47.97/hr) | +£2,199/yr | £4,735/mo | £4,828/mo | +£93/mo |
| Band 8d (Entry) | £94,356 (£48.26/hr) | £96,621 (£49.41/hr) | +£2,265/yr | £4,851/mo | £4,946/mo | +£95/mo |
| Band 8d (After 2 years (Mid)) | £100,140 (£51.21/hr) | £102,543 (£52.44/hr) | +£2,403/yr | £5,094/mo | £5,195/mo | +£101/mo |
| Band 8d (After 5 years (Top)) | £108,814 (£55.65/hr) | £111,426 (£56.98/hr) | +£2,612/yr | £5,459/mo | £5,569/mo | +£110/mo |
| Band 9 (Entry) | £112,782 (£57.68/hr) | £115,489 (£59.06/hr) | +£2,707/yr | £5,626/mo | £5,740/mo | +£114/mo |
| Band 9 (After 2 years (Mid)) | £119,583 (£61.16/hr) | £122,453 (£62.62/hr) | +£2,870/yr | £5,835/mo | £5,956/mo | +£121/mo |
| Band 9 (After 5 years (Top)) | £129,783 (£66.37/hr) | £132,898 (£67.97/hr) | +£3,115/yr | £6,115/mo | £6,246/mo | +£131/mo |
2. Official 2027/28 NHSPRB (40th Report) Timeline
- 19 Oct 2026:DHSC & NHS England Written Evidence Published — Government proposes a 2.4% uplift for Agenda for Change staff (and 2.4% to the DDRB for doctors). RCN, UNISON, and Unite reject the figure as below CPI inflation (3.1%).
- 28 Oct 2026:UK Autumn Budget — Confirms Personal Allowance (£12,570) and Higher Rate threshold (£50,270) remain frozen in 2027/28, pulling Band 7 Entry (£50,572 at +2.4%) above £50,270 gross.
- Jan–Feb 2027:NHSPRB 40th Report Deliberation — Review Body weighs affordability, recruitment/retention, and inflation before submitting its recommendation to Ministers.
- 1 Apr 2027:Statutory Effective Date — All annual Agenda for Change awards take effect from 1 April 2027 (with retrospective backpay arrears if announced after April).
3. Four UK Nations Position & Structural AfC Reform
England & Wales: Covered by the NHSPRB 40th Report process. Separate commitments to review Band 5 nursing job evaluations (accelerated Band 5 to Band 6 progression) are running alongside the annual pay round.
NHS Scotland: Negotiates directly with the Scottish Government outside the PRB. In 2026/27, Scotland implemented a 3.75% rise plus the reduced 35-hour working week.
Northern Ireland (HSCNI): Still awaiting implementation of the 2026/27 3.3% award, with the RCN Northern Ireland strike ballot running from 14 October to 20 November 2026. See our Northern Ireland 3.3% Backpay Calculator.
Complete NHS Agenda for Change Calculator Suite & Financial Toolkit
Specialist interactive calculators for NHS promotion traps, unsocial night shifts, pensions, trusts, maternity, sick pay, and back-pay arrears
⚡ Band 5 → 6 Promotion & Pension Bracket Trap Tool
The £50/month marginal deduction trap solved. Model pension tier jumps (8.3% to 9.8%), tax creep, and the net cash impact of dropping ward night shifts.
⚖️ NHS Staff Bank vs. Agency vs. Substantive Net Pay Comparator
The Inside IR35 umbrella trap exposed. Compare actual net take-home pay: NHS Staff Bank (+12.07% WTR holiday uplift & pension) vs Agency (deducting 13.8% Employer NI & umbrella margins).
🌙 Section 2 Unsocial Hours & Night Shift Pay Calculator
Calculate gross enhancement vs. net cash in bank across Nights (+30%/+44%), Saturdays, and Sundays (+60%/+88%). Includes interactive rota builder.
🏥 Top 50 NHS Trusts & Hospital Pay Directory
Explore starting and top pay across 50 major UK NHS Trusts and Health Boards with hospital site mappings, ODS codes, and London Weighting allowances.
NHS 2015 CARE Pension, AVCs & Lump Sum Calculator
NHS employees bank 1/54th of pensionable pay every year (+23.78% employer contribution) with 20% to 40% automatic PAYE tax relief and £12:£1 lump sum commutation.
NHS Bank Shifts & Overtime Net Cash Calculator
Calculate your exact marginal take-home pay per 7.5h, 11.5h, or 12h shift across Weekday, Night/Saturday (+30%/+44%), Sunday/BH (+60%/+88%), and 1.5x Overtime rates.
NHS 3.3% Pay Rise & Back-Pay Arrears Calculator
Calculate your exact backdated 2026/27 NHS Agenda for Change lump-sum arrears from 1 April after PAYE tax, National Insurance, NHS Pension, and Student Loan.
NHS Occupational Maternity Pay (OMP + SMP) Planner
Model your 8 weeks 100% full pay, 18 weeks 50% half pay + SMP (£187.18/wk), and compare phased monthly payslips against equalised 9 or 12 month spread pay.
NHS Sick Pay Entitlement & Half-Pay Calculator
Check your 1 to 6 months Full Pay and Half Pay + Statutory Sick Pay (£118.75/wk) entitlement by years of service, and see why half pay preserves ~65% of net income.
NHS Redundancy & MARS Severance Calculator
Calculate your contractual NHS Section 16 redundancy (1 month per year up to 24 years, £80k cap) or MARS payout after the £30,000 HMRC tax-free allowance.
🌍 Overseas Recruits Visa & Relocation Hub (8 Languages)
Dedicated guide for international healthcare workers entering the UK NHS on Health & Care Worker Visas. Translated into 8 languages with take-home pay models.
NHS Annual Leave & Bank Holiday Hours Converter
Convert your 27, 29, or 33 days of Agenda for Change annual leave plus 8 UK Bank Holidays into combined HealthRoster hours and 11.5-hour or 12-hour shift equivalents.
🔗 Embed Free NHS Calculator Widget for Your Site
Add a responsive, zero-maintenance 2026/27 NHS Pay Calculator to your nursing blog, trust intranet, or recruitment portal in 30 seconds with 1-click HTML code.
Statutory Notice: NetPayScale UK provides independent computational models synchronised with the 2026/27 NHS Terms and Conditions of Service (Agenda for Change) Handbook and HMRC PAYE regulations.
How We Calculate & Verify NHS 2027/28 Pay Round (19 Oct 2026 DHSC 2.4% Evidence) & 2026/27 AfC Baseline
NHS Employers 2026/27 Pay Circular
Implements the official 2026/27 Agenda for Change (+3.3%) consolidated pay spine across Bands 2 to 9 (NHS Terms & Conditions Handbook Annex 2 & Annex 3).
NHS T&C Handbook (Sec 2 & Annex 9)
Applies statutory Section 2 unsocial hours multipliers (+44%/+88% Bands 2–3; +30%/+60% Bands 4–9) and Annex 9 HCAS London Weighting caps (20% Inner, 15% Outer, 5% Fringe).
HMRC PAYE Specifications 2026/27
Computes UK PAYE Income Tax (£12,570 Personal Allowance, 20%/40%/45% bands, and £100k PA taper) plus Class 1 Employee National Insurance (8% PT–UEL, 2% above £50,270).
NHSBSA 2015 CARE Scheme Rules
Deducts 2026/27 tiered employee contributions (5.2% to 12.5%) from pensionable pay (basic + HCAS) before Income Tax under HMRC Net-Pay arrangements, with 1/54th CARE accrual.
Taxable = Gross − ((Basic + HCAS) × Tier%)FTE = Hours ÷ 37.5 | HCAS = clamp(Basic×%, Min×FTE, Max×FTE)Net/mo = (Gross − Pension − PAYE − NI − Loan) ÷ 12