Part-Time, Pro Rata After Tax
(2026/27)
Updated with the 3.3% pay award from April 2026. Enter your contracted hours. We’ll show your WTE to two decimal places and your pro rata gross, separate from your full-time equivalent.
Pre-set to 22.5 hrs (0.60 WTE) — change to your contracted hours for your exact figures.
NHS Part-Time Take Home Pay Calculator
All AfC bands 2–9 · England, Scotland, Wales, NI & London · Pro-rata WTE · HCAS · 9-tier Scotland pension · 6-tier England/Wales/NI · All student loan plans. 2026/27 rates.
What Changed in 2026/27 for Part-Time NHS Staff
Pension Restructured from 7 Tiers to 6 — from 1 April 2026
The tier boundaries changed. If your pro-rata earnings sit near a tier boundary, your contribution rate may have changed even though your hours didn’t. Check the table below to confirm your current tier.
3.3% Consolidated Pay Award
Your pro-rata salary increases by 3.3% from 1 April 2026. A Band 5 at 22.5 hours moves from approximately £18,629 to £19,244 pro rata. For staff near a tier boundary, this small increase could push you into the next pension tier.
Plan 2 Student Loan Threshold Increased to £29,385
If you are part-time on Plan 2, your lower pro rata earnings may now fall below the threshold, meaning no deduction at all. A Band 5 at 22.5 hours earns £1,604 per month, well below the monthly Plan 2 threshold of £2,449, so no student loan deduction applies.
How Pro-Rata Pay Works for NHS Staff
These figures assume 22.5 hours per week (0.6 WTE), tax code 1257L, no student loan, pension switched on, and working outside London. Take-home figures shown after pension income tax relief.
| Band | Pro-rata salary (22.5 hrs) | Pension tier | Pension % | Monthly take-home (est.) | Full-time equiv. |
|---|---|---|---|---|---|
| Band 2 | £15,163 | Tier 2 | 6.5% | £1,137 | £25,272 |
| Band 3 | £15,456 | Tier 2 | 6.5% | £1,154 | £25,760 |
| Band 4 | £17,035 | Tier 2 | 6.5% | £1,242 | £28,392 |
| Band 5 | £19,244 | Tier 2 | 6.5% | £1,365 | £32,073 |
| Band 6 | £23,975 | Tier 2 | 6.5% | £1,628 | £39,959 |
| Band 7 | £29,632 | Tier 3 | 8.3% | £1,907 | £49,387 |
| Band 8a | £34,517 | Tier 3 | 8.3% | £2,173 | £57,528 |
💡Why can part-time mean a lower pension rate, not just less pay?
A full-time Band 5 pays a pension at 8.3%. But a part-time Band 5 working 22.5 hours earns £19,244 pro rata, which falls into Tier 2 at 6.5%. That’s a real saving on top of the normal pro-rata reduction.
The effect is even more pronounced at Band 6. A full-time Band 6 pays 9.8%. The same person at 22.5 hours drops two full tiers to 6.5% — their pro rata salary of £23,975 sits comfortably in Tier 2. The pension saving from the lower tier alone is around £53 per month on top of the pro-rata reduction.
Most calculators ignore tier changes when calculating part-time pay. Ours handles it automatically because your pension tier is based on what you actually earn, not your band’s full-time figure.
London Weighting (HCAS) and Part-Time Hours
London weighting is pensionable and is calculated on your pro-rata basic pay. The percentage rate (20% for Inner London, 15% for Outer, 5% for Fringe) is applied to your actual earnings, not the full-time equivalent. The annual minimum and maximum caps still apply.
For lower bands working part-time, the minimum floor can mean your HCAS supplement is proportionally higher than the headline rate.
🏭 Inner London — Band 2 at 22.5 hrs
🏙 Outer London — Band 2 at 22.5 hrs
Related Calculators
NHS Scotland Take-Home Pay
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→ MaternityNHS Maternity Pay
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→ PensionNHS Pension Calculator
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→ Back PayNHS Back Pay Calculator
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→Frequently Asked Questions
Everything you need to know about NHS part-time take-home pay, pro-rata, pension tiers, and student loans.
Enter your contracted hours in the calculator above. We automatically calculate your pro-rata gross salary, show your WTE to two decimal places, and apply all deductions correctly. The take-home figure reflects your net pension cost after income tax relief — the actual reduction to your pay packet.
A Band 5 nurse working 22.5 hours per week (0.6 WTE) takes home approximately £1,365 per month after tax, NI, and pension. That figure is after pension income tax relief. Use the calculator above with your exact hours for a precise figure.
A Band 6 working 22.5 hours takes home approximately £1,628 per month. Your actual figure depends on your pay point (entry, mid, or top), student loan, and whether you work in London. At this hours level, a Band 6 drops to the same 6.5% pension tier as a Band 2 — a significant saving compared to the full-time rate of 9.8%.
A part-time Band 7 at 22.5 hours takes home around £1,907 per month. A part-time Band 8a takes home around £2,173 per month. Both fall into Tier 3 at 8.3%, compared to Tier 4 (9.8%) and Tier 5 (10.7%), respectively, at full-time. Use the calculator above with your exact hours.
Yes. Your pension contributions are calculated on your pro-rata pensionable pay. The contribution tier is based on your actual earnings, not the full-time equivalent. This often means a lower tier — and a lower contribution rate — than your full-time colleagues on the same band. The calculator above applies the correct 2026/27 pension tiers automatically.
Yes. HCAS is calculated on your pro-rata basic pay using the applicable percentage. The annual minimum and maximum caps still apply. For lower band part-time staff, the minimum floor often applies — meaning you may receive more HCAS as a proportion of your salary than the headline rate suggests. Our NHS part-time take-home pay calculator handles this correctly.
Pro-rata is the method used to calculate your part-time salary. If you work 60% of full-time hours, you receive approximately 60% of the full-time salary. The calculator above shows both your pro-rata gross and your full-time equivalent, separately.
Often yes. Your pension tier is based on your actual pro-rata earnings, not the full-time equivalent. A Band 5 working 22.5 hours earns £19,244 pro rata, which sits in the 6.5% tier, not the 8.3% tier that applies full-time. A Band 6 at the same hours drops from 9.8% to 6.5%, saving around £53 per month in pension contributions on top of the pro-rata pay reduction. The calculator above determines your tier automatically.
It depends on your plan and your pro-rata earnings. Plan 2 has a monthly threshold of £2,449 in 2026/27. A Band 5 at 22.5 hours earns £1,604 per month, well below the threshold, so no Plan 2 repayment applies. Income tax and National Insurance still apply at that earnings level. Use the calculator above to check your exact position for all five student loan plans.
Yes. The calculator covers all Agenda for Change bands from Band 2 to Band 9. Enter your exact contracted hours, and your take-home will be calculated accurately for your band, hours, region, and any student loan or salary sacrifice.
Updated April 2026 | Verified against NHS Employers 2026/27 pay scales | Take-home figures after pension income tax relief | Cumulative PAYE accurate for any month of the tax year