Updated for 2026/27

NHS Pay & Pension Calculators

Browse every free NHS take-home, pension, tax, leave and leaving calculator in one place. Search or filter by category to find the right tool fast.

60 calculators AfC bands 2–9 England, Scotland, Wales & NI

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Salary by Band

14 tools
Band 2 salary Pay scale, hourly rate and take-home Band 3 salary Net pay after tax, NI and pension Band 4 salary AfC pay points and monthly net Band 5 salary Nurse and AHP take-home pay Band 6 salary Exact net pay for 2026/27 Band 7 salary Senior AfC take-home estimate Band 8a salary Pay scale and progression Band 8b salary Take-home after deductions Band 8c salary Band 8c net pay calculator Band 8d salary Senior manager take-home Band 9 salary Top AfC band net pay Junior doctor salary Doctor pay scales and take-home Consultant salary Consultant pay and pension impact GP salary GP take-home after tax and pension

NHS Pension

10 tools
Pension calculator 2015 CARE scheme projection Contribution rates 2026/27 tier tables 1995 vs 2008 vs 2015 Compare scheme outcomes Added pension & AVCs Cost of buying extra pension Annual allowance AA charge estimate Commutation & lump sum Tax-free lump sum options Early retirement Reduced pension estimate Cost of opting out What you lose by leaving Pension refund Net refund after tax and CEP McCloud remedy Remedy period impact estimate

Pay, Hours & Enhancements

10 tools
AfC pay scales 2026/27 Bands 2–9 with HCAS options 2026/27 pay rise 3.3% award and new salaries Part-time & WTE pay Pro-rata salary and take-home Unsocial hours Night, weekend and BH enhancements Overtime Extra take-home for overtime hours London weighting (HCAS) Inner, outer and fringe HCAS Back pay Net arrears after tax and pension Strike deduction Exact pay lost for strike days NHS pay Wales Welsh net take-home NHS pay N. Ireland HSC net take-home

Tax & Deductions

8 tools
NHS tax calculator Income tax on any NHS salary Scottish tax calculator Scotland tax and pay rules Student loan Plan repayments for 2026/27 Uniform tax rebate HMRC uniform refund estimate Salary sacrifice Sacrifice impact on take-home Salary sacrifice car Real monthly car cost Lease car tax Benefit-in-kind tax estimate Mileage allowance NHS mileage claim estimate

Leave & Absence

8 tools
Annual leave Holiday entitlement by service Buying annual leave Cost of buying extra days Part-time bank holidays BH entitlement for part-time Maternity pay SMP and occupational maternity Paternity pay Take-home during paternity leave Pregnancy leave Maternity leave timeline pay Sick pay Occupational sick pay entitlement Bradford factor Absence score calculator

Leaving, Locum & Money

10 tools
Redundancy pay Statutory and NHS redundancy Voluntary redundancy VR package estimate Redundancy clawback Clawback risk estimate MARS scheme Mutually agreed resignation estimate Locum vs permanent Compare real take-home Locum vs umbrella Umbrella vs PAYE take-home Mortgage affordability What you could borrow Injury compensation Claim estimate guide Student bursary Healthcare student funding Health & wellbeing TDEE and calorie tools

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Continue in This Topic: Agenda for Change Band Salaries

Band cash pay, steps and take-home by AfC band These links connect neighbouring calculators and guides in the same related NHS pay guides and calculators so you can move from explanation to calculation in one place.

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Take-Home HubCalculators HubGuides HubNHS Pay Scales GuideAfC Pay Scales 2026/27