What is the NHS Pay Calculator?
The NHS Pay Calculator is a free, independent online tool designed to help NHS staff across England, Wales, Scotland, and Northern Ireland estimate their exact take-home pay after all deductions for the 2026/27 financial year.
Unlike generic salary calculators, this tool is built specifically around the NHS Agenda for Change (AfC) pay framework, incorporating the correct 2026/27 pay scales, HMRC tax thresholds, NHS Pension contribution tiers, High Cost Area Supplements (HCAS/London Weighting), student loan repayment plans, and salary sacrifice schemes.
Who Is It For?
This calculator is designed for all NHS staff covered by the Agenda for Change framework, including:
- Nurses (Bands 2–8a) and Midwives
- Healthcare Assistants and Clinical Support Workers
- Paramedics and Allied Health Professionals
- NHS Administrative and Managerial Staff
- Senior NHS Leaders and Executives (Bands 8b–9)
- Students and newly qualified NHS staff
- Bank staff, part-time workers, and those on flexible contracts
Whether you work in London, Birmingham, Manchester, Cardiff, Edinburgh, Belfast, or anywhere else across the UK, the calculator covers your region's specific pay rules.
What It Calculates
The NHS Pay Calculator provides a complete breakdown of your gross and net salary, including:
- Basic salary for your AfC band and pay step
- London Weighting (HCAS) — Inner London, Outer London, and Fringe Area supplements
- Unsocial hours enhancements — night shifts, weekends, and bank holidays
- Overtime and bank shift earnings
- Income Tax using HMRC 2026/27 rates (including Scotland's separate tax bands)
- National Insurance contributions
- NHS Pension deductions by contribution tier
- Student Loan repayments — Plans 1, 2, 4, 5 and Postgraduate
- Salary sacrifice deductions — lease car, Cycle to Work, tech schemes
Updated for 2026/27
For the 2026/27 financial year, NHS Agenda for Change staff in England, Wales, and Northern Ireland are receiving a confirmed 3.3% consolidated pay rise effective from 1 April 2026. NHS Scotland staff receive a 3.75% rise under a separate agreement, alongside a reduction in the standard working week from 37.5 to 36 hours.
All HMRC Personal Allowance thresholds, National Insurance rates, and NHS Pension contribution tiers have been reviewed and are accurate for the 2026/27 tax year. The Personal Allowance remains frozen at £12,570 for England, Wales, and Northern Ireland.
Privacy & Data
The NHS Pay Calculator runs entirely in your browser. No personal data, salary figures, or inputs are sent to any server, stored in any database, or shared with any third party. There are no cookies used to track your inputs. Your privacy is fully protected.
Meet the Author
Disclaimer
This calculator is an independent educational tool and is not affiliated with the NHS, NHS Employers, HMRC, or any government body. Results are estimates based on standard Agenda for Change rules and HMRC thresholds. Individual payroll results may differ due to trust-specific arrangements, emergency tax codes, mid-year changes, or other personal circumstances. Always verify your pay with your NHS Payroll department. See our full Disclaimer for details.