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NHS Pay Calculator 2026/27

Calculate your take-home pay after Income Tax, National Insurance, NHS pension contributions and student loan repayments, including unsocial hours and London weighting.

Updated for 2026/27·Rules last checked 12 July 2026

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NHS staffResident doctorsBack pay

Pay details

Tell us which pay route and published scale apply to the role.

How do you get paid?

Your role is in England. Your Income Tax residence may be different.

Your band salary

Single rate: £25,272 per annum

Full time is 37.5 hours in England.

Your rota (optional)

Shift work each week

Choose the system shown in your contract or rota, then add only the details that system uses.

Most NHS staff use Section 2. Choose Annex 5 only for an eligible ambulance contract.

Weekdays 8pm to 6am and all Saturday.

All Sunday and public holiday time.

Hours above full time, paid at time and a half.

On-call availability

Annex 29 rates are agreed locally. Use the availability payment from your rota agreement or payslip, not the hours paid when you are called out.

Tax and deductions

Add pension and payroll details that affect take-home pay.

Are you a member of the NHS Pension Scheme?
Do you receive a high cost area supplement?
Should student loan repayments be included?

Pay change during 2026/27

Your band and pay point above are treated as your current pay. Add the previous position only if it applied earlier in this tax year.

Recruitment and retention premium

Add the separately identified annual RRP cash sum from your contract or payslip. Do not include it again under other allowances.

The letters and numbers next to your pay on your payslip, like 1257L. Leave blank to use the standard Personal Allowance. K codes and BR, D0, D1, 0T and NT codes are supported.

Include other taxable NHS allowances not entered elsewhere. Leave out expenses and do not enter RRP twice.

Salary sacrifice and AVCs

Add amounts exactly as shown by payroll. NHS MPAVCs receive tax relief but are not salary sacrifice. Other arrangements may change tax, National Insurance and pensionable pay.

Other payroll deductions (optional)

Add parking, union fees or another regular deduction taken after tax. Do not include Income Tax, National Insurance, pension or student loans.

How is the deduction shown?

Enter the total expected across the tax year.

Your estimate

Complete your pay details to see a clear take-home estimate here.

Average monthly take-home

Your estimated pay after deductions

Tax, National Insurance and pension

A transparent deduction breakdown

Assumptions and official sources

The rules used for your calculation

NHS pay scales 2026/27

Annual full-time basic pay for every Agenda for Change band. England, Wales and Scotland show confirmed 2026/27 rates from 1 April 2026. Northern Ireland shows the latest confirmed 2025/26 scale. Scotland moved to a 36-hour full-time week in April 2026, so its hourly rates rise further than the annual figures suggest.

Agenda for Change annual basic pay in England, 2026/27
BandEntry stepMiddle stepTop step
Band 2£25,272--
Band 3£25,760-£27,476
Band 4£28,392-£31,157
Band 5£32,073£34,592£39,043
Band 6£39,959£42,170£48,117
Band 7£49,387£51,932£56,515
Band 8a£57,528£60,417£64,750
Band 8b£66,582£70,896£77,368
Band 8c£79,504£84,346£91,609
Band 8d£94,356£100,140£108,814
Band 9£112,782£119,583£129,783
Scotland pay scale 2026/27
Agenda for Change annual basic pay in Scotland, 2026/27
BandEntry stepMiddle stepTop step
Band 2£26,696-£28,988
Band 3£29,103-£31,409
Band 4£31,537-£34,303
Band 5£34,544£36,911£43,039
Band 6£43,231£45,135£52,679
Band 7
Wales pay scale 2026/27
Agenda for Change annual basic pay in Wales, 2026/27
BandEntry stepMiddle stepTop step
Band 2£26,300--
Band 3£26,300-£27,890
Band 4£28,819-£31,626
Band 5£32,557£35,114£39,631
Band 6£40,559£42,805£48,841
Band 7
Northern Ireland pay scale 2025/26
Agenda for Change annual basic pay in Northern Ireland, 2025/26
BandEntry stepMiddle stepTop step
Band 2£24,852--
Band 3£24,937-£26,598
Band 4£27,485-£30,162
Band 5£31,049£33,487£37,796
Band 6£38,682£40,823£46,580
Band 7

Frequently asked questions

Will this match my payslip exactly?

It is an annual estimate for regular pay. Tax codes, payroll timing, variable shifts and local deductions can make an individual payslip different, because PAYE and National Insurance are calculated by pay period.

How are unsocial hours calculated?

Choose the system named in your contract or rota. Section 2 applies the national band rates to average weekly unsocial hours. Eligible ambulance staff can use Annex 5, which converts rota-cycle qualifying hours to a fixed pensionable percentage. A separate contract-rate option is available when payroll gives you a local percentage and its pensionability.

Is overtime included?

Yes. Overtime hours above the full-time week are paid at time and a half and only apply to Bands 2 to 7. Overtime is not pensionable, so the calculator keeps it out of your NHS pension contribution.

Can I use it for part-time NHS work?

Yes. Enter your contracted weekly hours and the calculator applies the correct full-time week: 36 hours in Scotland and 37.5 hours in England, Wales and Northern Ireland for 2026/27.

How much is London weighting?

The High Cost Area Supplement adds 20% of basic pay in Inner London, 15% in Outer London and 5% in the Fringe, each within a minimum and maximum set nationally. Choose your zone and the calculator applies the correct amount before tax.

Does it include NHS pension and student loans?

Yes, when you confirm those deductions. The NHS Pension Scheme contribution uses the national tier for your nation and pensionable pay, and student loans cover Plans 1, 2, 4 and 5 plus the Postgraduate Loan. Each deduction is shown separately in the result.

Can I include parking or another payroll deduction?

How the NHS pay calculator works

Choose how you are paid, where the role is based and where you live for Income Tax. The calculator applies the relevant pay scale and statutory rules to estimate regular annual pay, then shows monthly and weekly equivalents with every deduction listed separately. It covers:

  • Agenda for Change bands 2 to 9 across all four UK nations, plus medical, dental or any entered salary
  • Part-time hours against the correct full-time week, High Cost Area Supplements in England, Section 2 unsocial hours, eligible Annex 5 ambulance enhancements and entered local contract rates with the Scottish variations
  • Income Tax including Scottish bands, National Insurance, NHS Pension Scheme tiers for each nation, student loans and overtime for Bands 2 to 7

NHS band take-home guides

Prefer a quick reference? Each guide shows gross pay by nation and a worked take-home estimate for every step of the band.

  • Band 2
  • Band 3
  • Band 4
  • Band 5
  • Band 6
  • Band 7
  • Band 8a
  • Band 8b
  • Band 8c
  • Band 8d
  • Band 9

Official sources and update history

Rules and content last checked 12 July 2026. Meeveem reviews official pay, tax, pension and student loan publications before changing a confirmed ruleset, and every calculation lists the rules and sources it used.

NHS pay and terms

  • England AfC 2026/27
  • Unsocial hours payments, Section 2
  • Wales AfC(W) 02/2026
  • Scotland NHS pay
  • Scotland 36-hour circular
  • Northern Ireland current pay table

Tax and student loans

  • HMRC rates and thresholds 2026/27
  • Scottish Government 2026/27 rates
£52,845
£54,863
£61,466
Band 8a£65,125-£70,303
Band 8b£76,888-£82,251
Band 8c£90,808-£97,338
Band 8d£107,810-£112,426
Band 9£127,521-£133,044
£50,129
£52,712
£57,365
Band 8a£58,379£61,317£65,723
Band 8b£67,583£71,952£78,530
Band 8c£80,698£85,611£92,984
Band 8d£95,773£101,643£110,448
Band 9£114,475£121,377£131,732
£47,810
£50,273
£54,710
Band 8a£55,690£58,487£62,682
Band 8b£64,455£68,631£74,896
Band 8c£76,965£81,652£88,682
Band 8d£91,342£96,941£105,337
Band 9£109,179£115,763£125,637

Yes. Add it under the advanced options as either an annual amount or a percentage of gross pay. The percentage uses gross cash pay after salary sacrifice, including cash enhancements and allowances but excluding taxable non-cash benefits.

Which pay year does the calculator use?

England, Wales and Scotland use their confirmed 2026/27 Agenda for Change scales from 1 April 2026. Northern Ireland shows the latest confirmed 2025/26 scale until the 2026/27 award is confirmed, and the result labels this clearly.

Waiting on award arrears? Estimate the lump sum with the NHS back pay calculator.

Student loan repayment rules

NHS pension

  • NHSBSA cost of membership
  • SPPA contribution tiers
  • HSC Pension contribution rates

This is an estimate, not financial advice. Your payslip can differ because PAYE and National Insurance are calculated by pay period.