NHS Pay Calculator 2026/27 — Agenda for Change (AfC) & Pension Take-Home
Calculate your exact 2026/27 NHS England net monthly and annual take-home pay across Agenda for Change (AfC) Bands 2 to 9. Automatically applies High Cost Area Supplements (Inner London 20%, Outer London 15%, Fringe 5%), mandatory NHS Pension Scheme member tiers (5.2% to 12.5% via Net Pay arrangement before Income Tax), and Class 1 National Insurance.
| NHS Agenda for Change Band (2026/27 England) | Gross Spine Salary & NHS Pension Tier | Net Monthly Take-Home (After Pension, Tax & NI) |
|---|---|---|
| Band 5 Entry (Newly Qualified Nurse / Paramedic) | £29,970 / yr (8.3% Pension: £2,487.51) | £1,942.25 / month (£23,306.99/yr) |
| Band 5 Top (4+ Years Experience) | £36,483 / yr (9.8% Pension: £3,575.33) | £2,267.76 / month (£27,213.13/yr) |
| Band 6 Entry (Senior Nurse / Specialist AHP) | £37,338 / yr (9.8% Pension: £3,659.12) | £2,314.03 / month (£27,768.39/yr) |
| Band 6 Top (5+ Years Experience) | £44,962 / yr (9.8% Pension: £4,406.28) | £2,726.64 / month (£32,719.72/yr) |
| Band 7 Entry (Ward Manager / Advanced Practitioner) | £46,148 / yr (9.8% Pension: £4,522.50) | £2,790.83 / month (£33,489.96/yr) |
| Band 7 Top (5+ Years Experience) | £52,809 / yr (10.7% Pension: £5,650.56) | £3,122.81 / month (£37,473.67/yr) |