NHS Salary & Pension Calculator

Instantly calculate your NHS take-home pay, tax, National Insurance, and pension deductions. Supports all pay bands 2–9.

NHS Salary & Pension Calculator gives NHS employees in England and Wales an instant, accurate breakdown of their take-home pay — no sign-up, no internet connection required. All calculations happen locally in your browser. WHAT IT CALCULATES ► Gross annual salary (pro-rata for part-time) ► Income tax (2026/27 PAYE rates, England & Wales) ► National Insurance — Class 1 employee contributions ► NHS pension deduction — correct tier automatically applied (5.2% to 12.5%) ► Student loan repayment — Plan 1 or Plan 2 ► Final monthly and annual net take-home pay ► Your effective tax rate at a glance PAY BANDS COVERED Supports every Agenda for Change band — Band 2, 3, 4, 5, 6, 7, 8a, 8b, 8c, 8d, and Band 9 — with every spine point within each band, from minimum to maximum. KEY FEATURES ► Part-time friendly — enter your actual hours and results scale automatically ► Pension toggle — switch NHS pension on or off and see the difference instantly ► Student loan toggle — add Plan 1 or Plan 2 to your deductions ► Real-time results — figures update as you type, no button to press ► Works fully offline — no data is sent anywhere, ever 2026/27 RATES Pay scales reflect the confirmed Agenda for Change 3.3% uplift effective 1 April 2026. Pension contribution tiers use the 2026/27 NHSBSA thresholds. Tax and NI use the current frozen thresholds (personal allowance £12,570, higher rate £50,270). PRIVACY Zero data collection. Everything runs inside your browser. Nothing is stored, tracked, or transmitted. For full calculators, salary guides and NHS pay tools visit: nhspaycalculatorss.co.uk