NHS Take-Home Pay Calculator 2025/26 — By Pay Band
Working out your NHS take-home pay means accounting for more than just tax. Pension tiers, NI thresholds, and student loan repayments all interact — and a change in band, hours, or role can shift several deductions at once.
The Casomo take-home pay calculator handles all of it.
- All Agenda for Change bands — Band 1 through Band 9
- Full-time, part-time, and hourly — set your hours and everything recalculates
- Tax, NI, pension, and student loan — all deductions in one place
- Works offline — live updates, your salary data stays on your device
- Free, no sign-up, no ads
Why NHS Take-Home Pay Is Hard to Work Out
NHS pension contributions follow a tiered system. The rate you pay depends on your salary band, and rates range from 5.2% to 12.5% for 2025/26. Move up a band and your contribution rate can jump.
On top of that, income tax, NI, and student loan thresholds all interact. Scotland has different tax bands to England and Wales. A pay rise, a change in hours, or a new role can shift every line on your payslip at once.
What You Might Want to Model
- A pay award — what does a new salary point mean in net pay after pension and tax?
- Going part-time — try 30 or 37.5 hours and see how your tier and tax change.
- A new role — different band, different deductions.
- Student loan repayments — how much comes off on Plan 1, 2, or 4?
Pension Deductions
Most NHS staff are on the 2015 pension scheme. The calculator applies the correct contribution tier based on your band and salary. Rates for 2025/26 run from 5.2% to 12.5%. You can also switch pension off to compare your take-home with and without contributions.
The calculator shows the pension deduction from your monthly pay. It does not project your retirement benefit or lump sum.
Frequently Asked Questions
Related
- UK Calculator Comparison — seven take-home pay tools tested on features and accuracy