NHS Pension McCloud Remedy Choice Calculator
Compare your retirement options under the public service pension remedy with our **NHS Pension McCloud Calculator** for **2026/27**. NHS staff who were in service on or before 31 March 2012 and on or after 1 April 2015 must choose between their **Legacy Scheme** (1995/2008 final salary) or the **Reformed Scheme** (2015 CARE) for their pension accrued during the **remedy period (1 April 2015 to 31 March 2022)**. This free tool estimates the difference in benefits to help you make your choice.
Reference Salary Tables & Quick Facts
NHS Mccloud Overview & Calculation Basis
This calculator operates under the official 2026/27 Agenda for Change and NHS Terms and Conditions of Service. All calculations are performed in real time as you adjust inputs.
| Deduction / Allowance | Rate / Threshold (2026/27) |
|---|---|
| Personal Allowance | £12,570 (Standard Tax Code: 1257L) |
| National Insurance | 8% on earnings between £12,570 and £50,270 (2% above) |
| NHS Pension Tiers | 5.2% to 12.5% based on pensionable pay |
Frequently Asked Questions
NHS Payroll Deductions & Tax Mitigation
Your monthly NHS take-home pay is affected by various statutory and voluntary payroll deductions. Understanding how these are calculated can help you optimize your net income:
Salary Sacrifice Benefits
Schemes like Cycle to Work or lease cars are deducted from your gross pay before tax and NI are calculated, reducing your taxable income.
Pension Tax Relief
NHS Pension contributions are deducted from your gross salary before income tax is calculated, providing automatic tax relief at your marginal rate.
Student Loan Repayments
Student loans (Plan 1, 2, 4, 5, or Postgraduate) are calculated on your gross earnings above the specific plan threshold and deducted automatically.
