NHS Take Home Pay Calculator

Around £2,040 a month if you’re at the entry point, working 37.5 hours a week, with a standard 1257L tax code, no student loan, and pension switched on. That figure is after pension income tax relief — the actual amount your pay reduces by, not the gross pension deduction. It changes if you work part-time, do unsocial hours, have a student loan, or live in London. Use the calculator above for your exact figure.

Yes. High Cost Area Supplements are pensionable. HCAS is added to your basic pay and the combined figure is used to calculate both your pension contribution tier and your monthly pension deduction. HCAS is also fully taxable and subject to National Insurance. The net take-home benefit is typically around 65–72% of the headline supplement, depending on your tax position.

HMRC doesn’t calculate your tax in isolation each month. They look at how much you’ve earned and how much personal allowance you’ve used so far in the tax year. In October (month 7), you’ve already used seven months of your £12,570 allowance. Most calculators ignore this and assume you’re in April, which is why their figures can be wrong mid-year. Use the month selector in the calculator above.

Confirmed at 3.3%, backdated to 1 April 2026. The award is consolidated — it becomes part of your base salary, which also affects future pension calculations.

Yes, overtime is taxed at your marginal rate. But overtime is not pensionable for Agenda for Change staff. There’s no pension deduction taken from overtime pay, but equally no pension accrual on those extra hours.

Scotland has six income tax bands, from Starter at 19% to Top at 48%. Our Scotland calculator uses the correct 2026/27 Scottish bands and pay scales. National Insurance is not devolved — we use the same UK-wide rates.

Wales has the same income tax rates as England for 2026/27. Welsh AfC pay scales are set separately by the Welsh Government under Pay Circular AfC(W) 02/2026,  every band in Wales is higher than the equivalent England figure for 2026/27.

 Pay Circular AfC(W) 02/2026 sets Welsh AfC salaries above England’s equivalent figures at every band entry point. Bands 2 and 3 are lifted to £26,300 by the Living Wage floor. For Bands 4–9, the Welsh circular applies the 3.3% uplift to a slightly different base than England, meaning Wales is ahead across the board. from £427 more at Band 4 to over £1,693 more at Band 9.

Eight weeks at full pay, followed by 18 weeks at half pay plus Statutory Maternity Pay (£194.32 per week for 2026/27), then 13 weeks of SMP only, then unpaid leave. The full pay already includes SMP — we don’t add it on top.

It depends on how long you’ve worked for the NHS. Someone in their first year gets one month full pay and two months half pay. Someone with five or more years gets six months full and six months half. We also include SSP (£123.25 a week for 2026/27, payable from day one under the Employment Rights Act 2025) once your occupational sick pay runs out.

The NHS pension moved from seven tiers to six from 1 April 2026. Rates start at 5.2% (up to £13,259 a year) and go up to 12.5% (above £67,669 a year). Your employer adds 23.7% on top of your contribution. The take-home figures in this calculator reflect your net pension cost after income tax relief.

Yes. Enter your contracted hours. We show your whole time equivalent to two decimal places, for example, 22.5 hours becomes 0.60 WTE, and your pro rata gross pay is shown separately from the full-time equivalent.

Three common reasons. First, your payslip shows the gross pension deduction — the full amount before tax relief. Our calculator shows net pension cost after relief, which is lower. Second, your payslip may include unsocial hours, overtime, or other variable pay not included in the calculator estimate. Third, your employer may have deducted arrears if a pay award was processed late. Use the month selector and add any variable pay in the calculator above for the closest match.