Employers Calculator

NHS Take-Home Pay Calculator 2026/27

Every Agenda for Change band across England, Scotland and Wales — after tax, National Insurance and the correct tiered NHS pension. Verified from the official 2026/27 pay circulars.

Northern IrelandPending

England · Band 6 · Entry

£2,429.77

a month take-home · £29,157.29 a year

Gross

£39,959.00

Income tax

£4,694.60

NI

£2,191.12

Pension

£3,915.98

Net

£29,157.29

Where your pay goes
NHS pension
£3,915.98(10%)
Income tax
£4,694.60(12%)
National Insurance
£2,191.12(5%)
Take-home
£29,157.29(73%)
Total£39,959.00

Simulated monthly payslip

Gross pay£3,329.92
PAYE income tax− £391.22
Employee NI− £182.59
NHS pension (9.8%)− £326.33
Net bank credit£2,429.77

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

NHS pay by nation (full-time basic, 2026/27)

BandEngland+3.3%Scotland+3.75% · 36hWales+3.3%
Band 2£25,272£26,658 – £28,947£26,300
Band 3£25,760 – £27,476£29,061 – £31,364£26,300 – £27,890
Band 4£28,392 – £31,157£31,492 – £34,254£28,819 – £31,626
Band 5£32,073 – £39,043£34,494 – £42,977£32,557 – £39,631
Band 6£39,959 – £48,117£43,169 – £52,603£40,559 – £48,841
Band 7£49,387 – £56,515£52,769 – £61,377£50,129 – £57,365
Band 8a£57,528 – £64,750£65,032 – £70,202£58,379 – £65,723
Band 8b£66,582 – £77,368£76,778 – £82,133£67,583 – £78,530
Band 8c£79,504 – £91,609£90,678 – £97,199£80,698 – £92,984
Band 8d£94,356 – £108,814£107,655 – £112,264£95,773 – £110,448
Band 9£112,782 – £129,783£127,338 – £132,853£114,475 – £131,732

Entry–top full-time basic salary. Scotland works a 36-hour week (higher hourly rate) and is taxed under Scottish bands. Northern Ireland pending Executive sign-off.

Calculate by band

Band 2

England £25,272

Band 3

England £25,760 – £27,476

Band 4

England £28,392 – £31,157

Band 5

England £32,073 – £39,043

Band 6

England £39,959 – £48,117

Band 7

England £49,387 – £56,515

Band 8a

England £57,528 – £64,750

Band 8b

England £66,582 – £77,368

Band 8c

England £79,504 – £91,609

Band 8d

England £94,356 – £108,814

Band 9

England £112,782 – £129,783

Each band has a dedicated page for England, Scotland and Wales — the comparison table links straight to the per-nation version.

Why this NHS calculator is different

Most NHS pay calculators copy stale figures and apply a flat 5% pension rate to every band. This one is built on the verified 2026/27 pay circulars and models what actually comes off your payslip: the correct tiered NHS pension under a net-pay arrangement, Scottish income tax for Scottish staff, the SPPA pension for Scotland, High Cost Area Supplements for London, and Section 2 unsocial-hours enhancements.

Four nations, four sets of rules

NHS pay is devolved, so England, Scotland, Wales and Northern Ireland each set their own Agenda for Change pay. Scotland diverges the most — higher pay, its own tax bands, its own pension scheme and a 36-hour week. Wales pays a little above England; Northern Ireland’s 2026/27 award is still pending. Switch nation at the top of the calculator to compare, keeping your inputs.

Frequently Asked Questions