Work out what you actually take home from an NHS Agenda for Change salary in 2026/27. Pick your band and pay step, tell the calculator your contracted hours, and add London weighting, overtime or unsocial-hours shifts if they apply to you. It then works through income tax, National Insurance, NHS pension contributions and student loan repayments, using the NHS net-pay arrangement, and shows your monthly and yearly take-home pay. Every figure uses the confirmed 2026/27 pay award of 3.3%, effective from 1 April 2026. The result is an estimate, so always check it against your payslip.
Work out your Agenda for Change salary, deductions and take-home pay — updated for the confirmed 3.3% pay award.
Last updated: 26 September 2026. Figures use the confirmed 2026/27 Agenda for Change award (3.3%, effective 1 April 2026).
Methodology: hourly rate = annual FTE salary ÷ 52.2 ÷ full-time hours (37.5, or 36 in Scotland); pensionable pay includes basic salary, HCAS, overtime and unsocial-hours enhancements; income tax uses the NHS net-pay arrangement (pension deducted before tax); National Insurance and student loan are calculated on gross pay. Pension tiers: England, Wales & NI use the official 2025/26 tiers (latest published); Scotland uses the official 2026/27 SPPA tiers.
Sources: NHS Employers 2026/27 pay circular; GOV.UK (income tax, National Insurance and student loan thresholds); HMRC; SPPA circular 2026/03.
Disclaimer: this is an estimate only. This is an independent guide and is not affiliated with the NHS. Your actual pay depends on your trust, tax code and circumstances — always check your ESR record and payslip.
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