2026/27 Band-to-Band & Shift Trade-Off Comparator

NHS Band Promotion Pay Calculator (2026/27)

Compare any two NHS Agenda for Change Bands or spine steps side-by-side—including NHS Pension tier cliffs (e.g. jumping from 8.3% to 9.8%) and what happens to your monthly take-home pay if you move from ward night/Sunday shifts to a Monday–Friday role.

Direct Answer · Band 5 to Band 6 Promotion Net Increase (2026/27):Stepping up from Band 5 Entry (£32,073) to Band 6 Entry (£39,958) increases your annual gross pay by +£7,885/yr. Because your NHS Pension tier steps up from 8.3% to 9.8%, your real monthly net take-home pay rises from £2,126/mo to £2,489/mo (a net gain of +£363 per month or +£4,358/yr after tax, NICs, and pension).

1. Compare Current Role vs. Promoted Role

Include any ward night or Sunday shifts you might gain or lose when changing roles

Current Role (From)£2,040/mo net
Promoted Role (To)£2,430/mo net
Band 5 → Band 6 Monthly Net ChangeNet Take-Home Gain
+£390/mo

Annual take-home change of +£4,675/yr (Gross change: +£7,886/yr).

Net Hourly Pay Change
+£2.39/hr
After tax, NICs & pension
Extra Pension Pot / Yr
+£146/yr
1/54th annual CARE accrual
NHS Pension Tier Cliff Detected (8.3% → 9.8%)Moving from Band 5 to Band 6 increases your pension contribution rate from 8.3% to 9.8%, adding £104/mo to your pension deduction while boosting your guaranteed annual retirement pension by +£146/yr.

Side-by-Side Monthly Payslip Comparison

Payslip LineBand 5Band 6
Monthly Gross (incl. HCAS/Shifts)£2,673£3,330
NHS Pension Deduction-£222 (8.3%)-£326 (9.8%)
PAYE Income Tax-£281-£391
Class 1 National Insurance-£130-£183
Monthly Net Take-Home£2,040£2,430
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2026/27 NHS Band-to-Band Promotion Net Take-Home Table (Entry to Entry)

Exact gross salary increase, NHS Pension tier transition, and monthly net take-home gain for every Band promotion in 2026/27.

Band PromotionCurrent GrossPromoted GrossGross IncreasePension Tier ShiftMonthly Net Gain
Band 2 → Band 3£25,272£25,760+£488/yr6.5% → 6.5%+£27/mo
Band 3 → Band 4£25,760£28,392+£2,632/yr6.5% → 6.5%+£147/mo
Band 4 → Band 5£28,392£32,073+£3,681/yr6.5% → 8.3%+£166/mo
Band 5 → Band 6£32,073£39,959+£7,886/yr8.3% → 9.8%+£390/mo
Band 6 → Band 7£39,959£49,387+£9,428/yr9.8% → 9.8%+£504/mo
Band 7 → Band 8a£49,387£57,528+£8,141/yr9.8% → 10.7%+£419/mo
Band 8a → Band 8b£57,528£66,582+£9,054/yr10.7% → 10.7%+£389/mo
Band 8b → Band 8c£66,582£79,504+£12,922/yr10.7% → 12.5%+£484/mo
Band 8c → Band 8d£79,504£94,356+£14,852/yr12.5% → 12.5%+£625/mo
Band 8d → Band 9£94,356£112,782+£18,426/yr12.5% → 12.5%+£775/mo

Complete NHS Agenda for Change Calculator Suite & Financial Toolkit

Specialist calculators for NHS back-pay arrears, band promotions, redundancy, pensions, bank shifts, maternity, sick pay, and annual leave

2026/27 AfC Handbook
Pay Award • Apr Arrears+3.3% Backdated Lump Sum

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.

Promotion • Band 5 → 6Pension Cliff & Shift Check

NHS Band Promotion & Spine Step Net Comparator

Compare any two NHS Bands or spine steps side-by-side—including NHS Pension tier cliffs (8.3% to 9.8%) and the net pay impact of dropping ward night shifts.

Severance • Sec 16First £30,000 Tax-Free

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.

Retirement • CARE 1/54thUp to 40% HMRC Tax Relief

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.

Extra Shifts • Sec 2 & 3+12.07% WTR Holiday Uplift

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.

Family Leave • Sec 15Equalised 9/12-Mo Spread

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.

Income Protection • Sec 14Up to 6m Full + 6m Half 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.

HealthRoster • Sec 13262.5h to 307.5h FTE

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.

Pay Progression • Annex 2+3.3% 2026/27 Pay Award

National Agenda for Change Band 2–9 Progression Hubs

Explore full experience step progression timelines, regional HCAS London Weighting comparisons, and hourly rates across all 11 Agenda for Change pay bands.

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.