NHS Midwife Take-Home Pay 2026/27: What Midwives Keep Each Month

Last updated: 28 October 2026 · Figures verified against the NHS Employers 2026/27 pay circular.

By the NHS Bands Pay editorial team

A midwifery salary is quoted gross, but nobody budgets gross. The number that matters at the end of the month is what lands in the bank after pension, tax, National Insurance and, for many newly qualified midwives, a student loan. This page works that number out step by step for every Band 5, 6 and 7 step in England in 2026/27, so a midwife can find her own step, read across, and see the monthly figure that follows from the published pay scales.

Midwives sit on Agenda for Change bands 5 to 7 for most clinical posts: Band 5 for newly qualified midwives, Band 6 for experienced midwives and specialists, Band 7 for team leaders, matrons in smaller units and specialist leads. The gross salaries are the same numbers as for nurses on the same band and step, because Agenda for Change sets pay by band, not by profession. What differs for midwives is the pattern of work around the basic pay: night shifts, weekends and on-call duties are built into maternity rotas in a way that makes unsocial hours a larger share of total pay than in many weekday services. The headline table below starts from basic pay only, then the later sections add those elements one at a time.

Every figure on this page follows the same method. Pension comes off gross pay first, and tax is calculated on what remains. That order matters, because it means pension contributions also reduce the tax bill. National Insurance is calculated on full gross pay, not on pay after pension. Student loan deductions are shown in a separate column, because they apply only to borrowers. The method is the same one used in the nurse take-home pay guide, and the Band 5 entry worked example cross-checks against the site take-home calculator: the homepage calculator, run for a Band 5 entrant on the same inputs, gives the same £2,040.21 a month net, to the penny.

Monthly take-home by band step: the full table

Read the table by band and step. Gross salary is the full-time 2026/27 Agenda for Change figure for England. Pension, income tax and National Insurance are monthly amounts. Take-home is what remains after those three deductions, before any student loan. The final column shows take-home after a Plan 2 student loan, the most common plan for recently qualified midwives.

The step that catches most midwives by surprise is the move from Band 5 intermediate to Band 5 top. Gross pay rises by £4,451, but the pension rate also rises, from 8.3% to 9.8%, because Band 5 top crosses the provisional tier boundary at £35,155. Take-home still rises, from £2,177.41 to £2,380.80 a month, but by less than the gross rise suggests. The same boundary effect appears at Band 7 top, where the rate rises again to 10.7%. A midwife comparing two steps should compare the take-home column, not the gross column.

For the hourly view of the same bands, see the midwife hourly pay guide, which breaks Band 5 to 7 down by the hour, including night, weekend and overtime rates. For the gross salary picture, including role descriptions and progression routes, see midwife salary. The hourly rate calculator converts any of these salaries to an hourly figure for a different contracted hours pattern.

A worked month: the Band 5 entry payslip

Take a newly qualified midwife on Band 5 entry, £32,073 a year, full-time, no student loan, standard tax code. Gross monthly pay is £2,672.75. Pension at 8.3% takes £2,662.06 a year, which is £221.84 a month, leaving £29,410.94 of pay after pension for tax purposes. Take off the £12,570 personal allowance and taxable income is £16,840.94 a year, all of it inside the 20% basic-rate band, giving annual tax of £3,368.19, or £280.68 a month. National Insurance is 8% of the £19,503 between £12,570 and the salary, giving £1,560.24 a year, or £130.02 a month, with no 2% slice because pay sits below £50,270. What is left is £24,482.51 a year, which is £2,040.21 a month. With a Plan 2 student loan, a further 9% of the £2,688 above the £29,385 threshold comes off, which is £241.92 a year, or £20.16 a month, leaving £2,020.05.

That worked month is worth checking against the site calculator, because it doubles as a cross-check on the whole table. The homepage take-home calculator, run for a Band 5 entrant on the same inputs, gives the same £24,482.51 a year net, to the penny. The agreement matters: it means the table, the worked month and the calculator all run the same method, and a midwife who gets a different payslip figure can start by looking for a different tax code, a student loan plan, or unsocial hours and overtime on top of basic pay, rather than doubting the arithmetic.

Pension: the deduction that also cuts the tax bill

Pension is the largest deduction for most midwives, and it is also the one that does quiet work elsewhere. Because contributions come off before tax is calculated, every pound of pension contribution saves 20p of basic-rate tax at these income levels. The contribution tiers for 2026/27 are provisional, calculated from the published 2025/26 thresholds, and the employer adds 23.7% on top of every member contribution. The full tier set is:

The tier boundary between Band 5 intermediate (£34,592) and Band 5 top (£39,043) is the one that bites first. Crossing it lifts the pension rate from 8.3% to 9.8%, so the monthly pension deduction jumps from £239.26 to £318.85. The second boundary sits between Band 7 intermediate (£51,932) and Band 7 top (£56,515), where the rate rises from 9.8% to 10.7% and the monthly deduction rises from £424.11 to £503.93. Neither jump makes a promotion pay less overall, but both narrow the monthly gain, and midwives budgeting around a promotion should budget on the take-home column.

Full pension tier tables by band are in the pension contributions by band guide, and the wider pension picture is in NHS pension contributions. Opting out of the pension would lift take-home in the short term, but it would also give up the employer 23.7% contribution and the pension itself, so this page treats pension membership as the normal case and does not present an opt-out figure as a recommendation.

Student loans: the fifth deduction

Student loan repayments are not tax and they are not pension, but they come off the same payslip, so they belong in any honest take-home figure. The table below shows Plan 2 only, because it is the plan most recently qualified midwives carry. Plan 2 takes 9% of pay above £29,385 a year in 2026/27. Older plans and postgraduate loans use different thresholds, and a midwife on one of those plans should run the threshold for her own plan rather than reading the Plan 2 column as her figure.

At Band 5 entry the loan costs £20.16 a month, a small slice of a £2,040.21 take-home. By Band 7 top it costs £203.48 a month, because 9% of a much larger amount above the threshold is deducted. The loan does not change the tax or pension figures: it is calculated on gross pay above its own threshold and deducted after tax. A midwife whose loan is paid off will see take-home jump by the full deduction, which is why the headline table and the loan column are shown side by side. The full student loan rules for NHS staff are in the student loan repayments guide.

Unsocial hours: what weekend and night work adds to take-home

Basic pay is only the starting point for midwives on rotas. Under Agenda for Change Section 2, Bands 4 to 9 get 30% on top of plain time for Saturday and weekday night hours, from 8pm to 6am, and 60% on top for Sunday and bank holiday hours. A Band 5 midwife at entry earns £16.38 an hour plain time, so a Saturday or night hour is worth an extra £4.91 and a Sunday or bank holiday hour an extra £9.83, worked from the rounded hourly rate as on the site's other hourly guides. A Band 7 midwife at entry earns £25.23 an hour, so the same enhancements are worth £7.57 and £15.14 an hour.

Put those rates against a realistic month and the effect becomes concrete. A Band 5 entrant who works two 7.5 hour Saturday shifts and one 7.5 hour Sunday shift in a month, on top of a normal rota, earns an extra £147.38 in gross pay: 15 Saturday hours at £4.91 plus 7.5 Sunday hours at £9.83. Annualised, pensionable pay rises to £33,841.56, still inside the 8.3% pension tier, and monthly take-home rises to £2,136.54, a gain of £96.33 after pension (£234.07), tax (£307.71) and National Insurance (£141.81). The gain is roughly two thirds of the gross uplift, because every extra pound is itself pensionable, taxable and subject to National Insurance. Midwives choosing between a weekday clinic post and a ward rota post should compare on this basis: the rota post pays more, but the gap in the bank is smaller than the gap in the rota enhancements suggests. The full unsocial hours rules are in the unsocial hours and overtime guide.

Overtime works on top of the same base. Bands 1 to 7 pay time and a half for overtime, and double time on bank and public holidays, with overtime starting above 37.5 hours a week. A Band 5 entrant on £16.38 an hour therefore earns £24.57 an overtime hour and £32.76 on a bank holiday, while a Band 7 midwife at entry earns £37.85 and £50.46. Overtime and an unsocial hours enhancement cannot both be claimed for the same hour. Part-time midwives should note the threshold rule: hours above contracted hours up to 37.5 are paid at plain time, plus any unsocial enhancement that applies, and overtime rates only start beyond 37.5. Community midwives also claim mileage for business travel, which is an expense reimbursement, not pay, and is covered in the mileage rates guide rather than counted in take-home here.

London weighting: take-home with HCAS

High Cost Area Supplement is pensionable, so it lifts both gross pay and, where it crosses a tier boundary, the pension rate. Inner London pays 20% of basic pay with a minimum of £5,794 and a maximum of £8,746, outer London pays 15% with a minimum of £4,870 and a maximum of £6,137, and the fringe zone pays 5% with a minimum of £1,346 and a maximum of £2,270. The minimums matter at Band 5 entry: 20% of £32,073 is £6,414.60, inside the inner range, while 15% is £4,810.95, below the outer minimum, so the outer payment is lifted to £4,870.

At Band 7 top the caps bind. Inner London 20% of £56,515 would be £11,303, but the £8,746 maximum caps it, giving total pay of £65,261. Outer London is likewise capped at £6,137, giving £62,652, and fringe at £2,270, giving £58,785. Even capped, the inner London Band 7 top midwife takes home £3,684.92 a month, against £3,308.99 with no supplement. The full London weighting rules are in the London weighting HCAS guide, and the HCAS calculator works out the supplement for any band and zone.

Part-time midwife take-home pay

Part-time midwifery is common, and part-time take-home does not scale in a straight line from full-time take-home, because the pension tier follows actual pay. A midwife on 0.8 WTE at Band 5 entry earns £25,658.40 actual pay, which sits in the 6.5% pension tier, not the 8.3% tier of the full-time figure. A midwife on 0.6 WTE at Band 7 top earns £33,909 actual pay, in the 8.3% tier, not the 10.7% tier of the full-time Band 7 top figure. Tax and National Insurance also fall, because both are calculated on actual pay.

Two practical points follow. First, a part-time midwife whose actual pay falls below the Plan 2 threshold of £29,385 pays no Plan 2 deduction at all, which is the case at Band 5 entry on both 0.8 and 0.6 WTE here. Second, hours worked above contracted hours up to 37.5 a week are paid at plain time, not overtime rates, so a part-time midwife picking up extra shifts should check whether those hours are plain time or overtime before budgeting on them. The part-time pay guide and the part-time pay calculator cover the pro-rata maths in full.

Scotland, Wales and Northern Ireland

The rates on this page are for England. Scotland agreed a 3.75% award from 1 April 2026 and moved to a 36 hour week, with its own pay scale, for example Band 5 at £34,494 to £42,977, and its own income tax bands. Scotland also has a nine-tier pension structure from 5.7% to 12.7%, but the tier thresholds are not in the verified data file, so this page quotes no Scotland take-home figure rather than estimating one from the England tiers. Wales applied the 3.3% award with Band 5 steps of £32,557, £35,114 and £39,631, so a Welsh midwife on the same band and step has different gross pay from an England midwife even though income tax and National Insurance rates are the same. Northern Ireland had the 3.3% award recommended but not implemented at the last check, so do not budget on it. For the devolved picture, see the Scotland pay guide, the Wales pay guide and the Northern Ireland pay guide.

What the figures leave out

These are basic-pay figures for full-time contracts unless a section says otherwise, and real midwife income is usually higher and messier. Bank and agency shifts pay above the Agenda for Change rate in most areas, but there is no national rate card and rates vary widely by region, urgency and specialty, so this page quotes no bank or agency figure. The Agenda for Change rate is still the right benchmark, because it is the pension-building foundation: every bank or agency hour worked outside substantive employment is an hour that does not build NHS pension in the same way, and the substantive post also carries annual leave, sick pay and the other Agenda for Change terms that sessional work does not. Mileage for community midwives, uniform tax relief of £125 a year for midwives (worth £25 at the basic rate and £50 at the higher rate), and any local recruitment premia are also left out, because they are expenses or local payments, not basic pay. A payslip that differs from this page by a small amount usually differs because of a different tax code, a student loan plan, or unsocial hours and overtime on top of basic pay. Monthly components are rounded to the penny, so adding rounded monthly components can differ from the monthly take-home by 1p.

Midwives on maternity leave, sick leave or a career break should not read these monthly figures as leave pay: maternity pay, sick pay and the career break guide each follow different rules. Annual leave entitlement itself does not change take-home in a normal month, but the annual leave guide sets out the 27, 29 and 33 day tiers plus bank holidays by length of service.

Frequently asked questions

How much does an NHS midwife take home each month in 2026/27?

In England in 2026/27, a full-time midwife on Band 5 takes home £2,040.21 a month at the entry step (£32,073 a year), £2,177.41 at the intermediate step (£34,592) and £2,380.80 at the top of the band (£39,043), after income tax, National Insurance and NHS pension contributions and before any student loan. A Band 6 midwife takes home £2,429.78 at entry (£39,959), £2,547.99 at the intermediate step (£42,170) and £2,865.96 at the top (£48,117). A Band 7 midwife takes home £2,933.86 at entry (£49,387), £3,078.24 at the intermediate step (£51,932) and £3,308.99 at the top (£56,515). A Plan 2 student loan takes a further £20.16 a month at Band 5 entry and £203.48 at Band 7 top.

How is NHS midwife take-home pay calculated?

Pension contributions come off first, which reduces taxable income. Income tax is then calculated on what is left, using the 2026/27 personal allowance of £12,570, the 20% basic rate on taxable income up to £37,700 and the 40% higher rate above that. National Insurance is charged on full gross pay, at 8% between £12,570 and £50,270 and 2% above. Student loans are shown separately, because not every midwife still carries one. All figures on this page use a standard tax code and basic pay only, with unsocial hours, overtime and London weighting covered as additions.

What pension contribution comes off a midwife's pay?

Under the provisional 2026/27 tiers, a Band 5 midwife at entry or the intermediate step pays 8.3% of pensionable pay, which is £221.84 a month at entry and £239.26 at the intermediate step. Band 5 top and every Band 6 step pay 9.8%, from £318.85 a month at Band 5 top to £392.96 at Band 6 top. Band 7 entry and intermediate also pay 9.8%, £403.33 and £424.11 a month, while Band 7 top crosses into the 10.7% tier at £503.93 a month. The employer adds 23.7% on top in each case. The tiers are provisional for 2026/27, calculated from the published 2025/26 thresholds, so treat the monthly pension figures as the best current estimate rather than a final published rate.

How much does a student loan take from midwife pay?

A Plan 2 loan takes 9% of pay above the 2026/27 threshold of £29,385 a year. That is £20.16 a month at Band 5 entry, £72.43 at Band 5 top, £140.49 at Band 6 top and £203.48 at Band 7 top. Plan 1, Plan 4, Plan 5 and postgraduate loans use different thresholds, so the Plan 2 column is a guide for the most common case among recently qualified midwives, not a figure for every borrower. The full student loan rules for NHS staff are in the student loan repayments guide.

Do night and weekend shifts change midwife take-home pay much?

Yes, and for midwives the effect is often larger than for weekday-only staff, because maternity units run around the clock. Under Agenda for Change Section 2, Bands 4 to 9 get 30% on top of plain time for Saturday and weekday night hours, from 8pm to 6am, and 60% on top for Sunday and bank holiday hours. A Band 5 midwife at entry earns £16.38 an hour plain time, so a Saturday or night hour is worth an extra £4.91 and a Sunday or bank holiday hour an extra £9.83. A Band 7 midwife at entry earns £25.23 an hour, so the same enhancements are worth £7.57 and £15.14 an hour. The worked example in the unsocial hours section puts those rates against a realistic month.

What does a midwife take home in London?

With High Cost Area Supplement, a Band 5 midwife at entry takes home £2,351.10 a month in inner London, £2,268.52 in outer London and £2,127.56 in the fringe zone, against £2,040.21 with no supplement. A Band 7 midwife at the top takes home £3,684.92 a month in inner London, £3,572.78 in outer London and £3,406.56 in the fringe zone. London weighting is pensionable, so it also lifts the pension contribution, and at Band 7 top the inner London total is capped by the £8,746 maximum.

What does a part-time midwife take home?

A Band 5 midwife at entry on 0.8 WTE (30 hours) takes home £1,721.62 a month on actual pay of £25,658.40, and £1,364.54 on 0.6 WTE (22.5 hours, £19,243.80). A Band 7 midwife at the top on 0.8 WTE takes home £2,710.64 a month (£45,212 actual pay) and £2,140.21 on 0.6 WTE (£33,909). The pension tier follows actual pay, not full-time pay, which is why the part-time Band 5 figures sit in the 6.5% tier and the part-time Band 7 top figures sit lower than the full-time 10.7% tier.

Why does my payslip differ from the figures on this page?

The usual reasons are a different tax code, a student loan plan, unsocial hours or overtime on top of basic pay, London weighting, or a part-time fraction. Salary sacrifice for a car or pension, a previous employment in the same tax year, and arrears or back pay in a single month can also move one month away from the steady monthly figure. If the gap is small and steady, check the tax code first. If it is large, check whether unsocial hours or London weighting are included in the gross figure being compared, because this page starts from basic pay only.