NHS Take Home Pay Calculator
Calculate your NHS salary after PAYE tax, National Insurance, and pension deductions
Enter Your Income Details
Rate based on your salary tier: 9.8%
Your NHS Take Home Pay
£35,240.08
Monthly: £2,936.67
Marginal Tax Rate
Your next £1,000 earned will give you £580 take-home. You're in the 40% higher rate band + 2% NI.
Effective Rate
29.5%
Current Salary
New Salary
Current Take Home Pay
£35,240.08
Monthly: £2,936.67
Marginal Rate
Next £1k gives you £580. 40% + 2% NI.
Effective
29.5%
New Take Home Pay
£42,500.00
Monthly: £3,541.67
Marginal Rate
Next £1k gives you £580. 40% + 2% NI.
Effective
29.5%
Take Home Pay Comparison
Current
£35,240
Difference
+£7,260
New
£42,500
How Your NHS Take Home Pay is Calculated
Gross Income
This is your wage before any deductions. You can find this at the top of your payslip under 'sal/wage' or 'PT sal/wage. This forms the basis for calculating your NHS take home pay.
Additional Income
Additional income refers to any income you earn in addition to your primary NHS employment income, including locum shifts, overtime payments, part-time earnings from other roles, and any other taxable income sources.
Personal Allowance
The Personal Allowance is a tax-free amount of income that you are allowed to earn each year before you begin paying income tax. For the 2025/26 tax year, the standard Personal Allowance is £12,570. This means that you can earn up to £12,570 without paying any income tax on it. Note that if your adjusted net income exceeds £100,000, your Personal Allowance is reduced by £1 for every £2 over this threshold.
NHS Pension Contribution Rates
NHS pension contributions are deducted from your salary before tax is calculated, which reduces your taxable income. The contribution rate depends on your pensionable pay tier. These contributions directly affect your NHS take home pay.
| Tier | Pensionable Pay (2025/26) | Rate |
|---|---|---|
| 1 | £0 to £13,259 | 5.2% |
| 2 | £13,260 to £26,831 | 6.5% |
| 3 | £26,832 to £32,691 | 8.3% |
| 4 | £32,692 to £49,078 | 9.8% |
| 5 | £49,079 to £62,924 | 10.7% |
| 6 | £62,925 and above | 12.5% |
Student Loan Repayment Thresholds
The amount you repay on your Student Loan depends on your total income. You'll pay a percentage of your income above the threshold for your loan plan type. These repayments are deducted through PAYE and reduce your take home pay.
| Plan Type | Annual Threshold | Repayment Rate |
|---|---|---|
| Plan 1 | £24,990 | 9% |
| Plan 2 | £27,295 | 9% |
| Plan 4 | £31,395 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate Loan | £21,000 | 6% |
Income Tax Bands
Income tax is calculated on your taxable income after deducting your Personal Allowance and pension contributions. The UK uses a progressive tax system where different portions of your income are taxed at different rates.
| Tax Band | Rate | Taxable Income (2025/26) |
|---|---|---|
| Personal Allowance | 0% | Up to £12,570 |
| Basic Rate | 20% | £12,571 to £50,270 |
| Higher Rate | 40% | £50,271 to £125,140 |
| Additional Rate | 45% | Over £125,140 |
National Insurance Contributions
Employee National Insurance is calculated on your gross earnings. For 2025/26, you pay 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. National Insurance is one of the key deductions that affects your NHS take home pay.
| Earnings Band | NI Rate |
|---|---|
| Up to £12,570 per year | 0% |
| £12,571 to £50,270 per year | 8% |
| Over £50,270 per year | 2% |
NHS Pay Calculators by Band
Use our band-specific calculators for quick take home pay estimates based on your NHS pay band.
HCA & Support Workers Band 5 Calculator
Newly Qualified Nurses Band 6 Calculator
Senior Nurses & Specialists Band 7 Calculator
Ward Managers & Team Leads Band 8a Calculator
Senior Managers All AFC Bands
Complete Pay Scales
Specialist Calculators
Disclaimer: This NHS take home pay calculator is for informational purposes only and does not constitute financial advice. Tax calculations may vary based on individual circumstances. Please consult a qualified financial advisor for personalised advice.