SalarySense

NHS salary calculator

Agenda for Change 2026/27 pay (England, effective 1 April 2026, 3.3% uplift) — band and step to actual monthly take-home, full or part time.

Where do you pay tax?
Student loan, pension & Marriage Allowance
Student loan plans

Undergraduate plans deduct alongside a postgraduate loan. Scotland collects postgraduate loans within Plan 4; Northern Ireland collects them as Plan 1.

Pension

Salary sacrifice reduces income tax, NI and student-loan deductions. Relief at source doesn't change PAYE: your cash outlay is 80% of the gross contribution, and higher-rate taxpayers reclaim the rest from HMRC.

NHS Pension: the scheme uses a net-pay arrangement this calculator doesn't model yet (coming in v1.1). Salary-sacrifice mode approximates the tax relief but overstates the NI saving slightly.

Your NHS salary: £32,073

£2,217.68 / month

£26,612 a year take-home · £511.77 a week

  • You keep£26,612
  • Income tax£3,901
  • National Insurance£1,560
  • Student loan£0
  • Pension£0
  • Income tax£3,900.60
  • National Insurance£1,560.24
  • Student loan£0.00
  • Pension (your outlay)£0.00

Take-home by pay period

Take-home by pay period (37.5-hour, 5-day week for the daily and hourly views)
PeriodTake-home
Yearly£26,612
Monthly£2,217.68
Every 4 weeks£2,047.09
Weekly£511.77
Daily£102.35
Hourly£13.65

Agenda for Change pay scales 2026/27 (England)

Annual salaries from 1 April 2026, verified against NHS Employers on 2026-07-03.
BandEntryIntermediateTop
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, Wales and Northern Ireland set their own Agenda for Change rates. Working in Scotland? Scottish income tax still applies to these figures — use the region toggle.

Questions people ask

What did the 2026/27 NHS pay award change?

The Pay Review Body's recommended 3.3% consolidated uplift was accepted in full and applies to all Agenda for Change pay points in England from 1 April 2026. Most trusts paid the new rates from June or July 2026 with arrears back to April.

Which band and step am I on?

Your band is in your contract; your step depends on years in the band. New starters join at the entry step and progress to the top step after a pay-step review — typically 2 years in bands 2–3, 3 years in band 5, and 5 years in bands 6 and above.

How does part-time NHS pay work?

Agenda for Change full time is 37.5 hours. Your salary scales by hours worked — set your hours in the calculator and the tax is worked out on your actual pay, not the full-time figure. High Cost Area Supplements (London weighting) are added on top of these national rates.

Why doesn't this include my NHS Pension deduction?

NHS Pension contributions (5.2%–12.5% by pay tier) use a net-pay arrangement the engine adds in v1.1. Until then, salary-sacrifice mode with your tier percentage gives a close approximation — it applies the right tax relief but slightly overstates the NI saving.