NHS Band 4 Take-Home Pay Calculator 2026/27

In 2026/27, an NHS Band 4 salary in England ranges from £28,392 (entry) to £31,157 (top). After tax, National Insurance and the 6.5% NHS pension, estimated monthly take-home is about £1,874 at entry and £1,990 at the top point, on the standard 1257L tax code.
Northern IrelandPending

England · Band 4 · Entry

£1,873.79

a month take-home · £22,485.46 a year

Gross

£28,392.00

Income tax

£2,795.30

NI

£1,265.76

Pension

£1,845.48

Net

£22,485.46

Pay-rise impact

+0.0%

Drag to model a future pay award. You keep less than the headline % — tax, National Insurance and the pension take a share of the increase too.

Where your pay goes
NHS pension
£1,845.48(7%)
Income tax
£2,795.30(10%)
National Insurance
£1,265.76(4%)
Take-home
£22,485.46(79%)
Total£28,392.00

Simulated monthly payslip

Gross pay£2,366.00
PAYE income tax£232.94
Employee NI£105.48
NHS pension (6.5%)£153.79
Net bank credit£1,873.79

England · rest-of-UK income tax bands · estimate for the 2026/27 tax year, standard 1257L code assumed.

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Band 4 spine points (England, 2026/27)

PointFull-time salaryMonthly take-home
Entry£28,392.00£1,873.79
Top of band£31,157.00£1,990.32

Full-time, standard 1257L tax code, in the NHS Pension Scheme, no student loan or HCAS. Adjust the calculator above for your situation.

NHS Band 4 pay in England, explained

Band 4 typically covers assistant practitioners, pharmacy technicians, dental nurses and senior administrators. Full-time basic pay runs from £28,392 at entry to £31,157 at the top of the band for 2026/27. On top of basic pay, London staff receive a High Cost Area Supplement, and anyone working nights, weekends or bank holidays earns Section 2 unsocial-hours enhancements.

Three deductions come off: income tax, National Insurance, and your NHS pension contribution — which for a Band 4 on entry pay is the 6.5% tier, not the 5% auto-enrolment rate generic calculators assume. That is why our monthly take-home estimate (£1,874 at entry) is more accurate than tools that under-count the pension.

Frequently Asked Questions

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