NHS Pay Calculator 2026/27 📅 2026/27

Estimate your take-home pay across all AfC bands, junior doctors and consultants · includes pension, London weighting and student loans · 2026/27 rates.

Independent pay estimator · results are estimates only · verify with NHS Employers and HMRC
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🩺 Junior Doctor pay is a rough estimate only. Does NOT include banding supplement (40–50% extra for out-of-hours/weekends). Verify at BMA ↗
🏥 Consultant pay is a rough estimate only. Excludes Clinical Excellence Awards and additional PAs. Verify at BMA ↗
🏴󠁧󠁢󠁳󠁣󠁴󠁿 NHS Scotland 2026/27: Separate pay scales (3.75% uplift). Standard full-time week is 36 hours from April 2026. Scottish income tax and pension tiers applied automatically.
Your Results Band 5 AfC England
Before Deductions
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per month
After Deductions
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ℹ 2026/27 rates · AfC England/Wales/NI +3.3% from April 2026 · Scotland +3.75% (36h FT week) · Scottish income tax confirmed bands · NI thresholds frozen · NHS Pension tiers uprated 3.8% CPI · Student loan thresholds updated April 2026
Independent estimator · results are estimates only · see footer
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NHS AfC Band Take-Home Pay · 2026/27

Entry-point salaries · England · Before London weighting. After-tax figures shown before and after NHS pension contribution.

Band Starting Salary Before Pension (Monthly) NHS Pension % After Pension (Monthly)
Band 2£24,071£1,7385.1%£1,636
Band 3£24,625£1,7715.7%£1,654
Band 4£26,530£1,8855.7%£1,759
Band 5£29,970£2,0925.7%£1,949
Band 6£37,338£2,5346.1%£2,344
Band 7£46,148£3,0626.8%£2,800
Band 8a£53,755£3,4789.8%£3,040
Band 8b£62,215£3,88712.5%£3,239

London High Cost Area Supplement (HCAS) adds up to £6,469/year for Inner London. Use the NHS Pay Calculator above to include your band, location and pension tier for an accurate figure.

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NHS Pay Calculator FAQs

What is NHS Band 5 take-home pay per month 2026?
An NHS Band 5 starting salary of £29,970 gives approximately £2,092/month after income tax and NI, before pension. After the NHS pension contribution of 5.7%, take-home is around £1,949/month. London Inner HCAS weighting adds up to £6,469/year on top of base salary.
What is NHS Band 6 take-home pay per month 2026?
An NHS Band 6 starting salary of £37,338 gives approximately £2,534/month after income tax and NI, before pension. After the NHS pension contribution of 6.1%, take-home is around £2,344/month. Use the calculator above to add London weighting or a student loan for a more precise figure.
What is NHS Band 7 take-home pay per month 2026?
An NHS Band 7 starting salary of £46,148 gives approximately £3,062/month after income tax and NI, before pension. After the NHS pension contribution of 6.8%, take-home is around £2,800/month. Band 7 salary sits in the higher income tax band, so marginal income tax is 40% on earnings above £50,270.
How much is the NHS pension contribution in 2026/27?
NHS pension employee contributions in 2026/27 range from 5.1% (earnings up to £13,259) up to 12.5% (earnings above £62,215). Band 5 staff typically pay 5.7% · Band 6 pays 6.1% · Band 7 pays 6.8% · Band 8a pays 9.8% · Band 8b pays 12.5%. The NHS pension is a defined benefit CARE scheme and one of the most valuable workplace pensions in the UK.
What is London weighting for NHS staff?
NHS High Cost Area Supplement (HCAS) adds a percentage of salary subject to minimum and maximum caps. Inner London: 20% of salary (min £5,132 · max £8,724/year). Outer London: 15% (min £4,265 · max £6,521). London Fringe: 5% (min £1,236 · max £2,077). The supplement is paid on top of your AfC band salary and is pensionable.

For informational purposes only · Not financial advice · NHS pay rates are estimates for 2026/27 · Verify with NHS Employers and HMRC