📊 NHS

NHS Band 5 Salary & Take-Home Pay Calculator

NHS **Band 5** salaries for the **2026/27 tax year** range from **£32,073** (entry level) to **£39,043** (top of band after progression). Under the Agenda for Change contract, staff on Band 5 include experienced nurses, midwives, occupational therapists, and senior administrative staff. Our free Band 5 take-home pay calculator shows your exact salary breakdown—including income tax, National Insurance, and NHS Pension contributions—helping you see your actual monthly net pay.

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Estimated Monthly Take-Home

Gross Salary (inc. Weighting) £0.00

NHS Pension Deduction -£0.00

Income Tax -£0.00

National Insurance -£0.00

Student Loan -£0.00

Net Take-Home Pay (Annual) £0.00

📅 Band 5 Salary Breakdown (2026/27)

Pay Point	Basic Gross	Hourly Rate	Pension	Tax	NI	Net Annual	Net Monthly
Entry Level	£32,073	£16.39	-£2,662.06	-£3,368.19	-£1,560.24	£24,482.51	£2,040.21
Intermediate (2-4 years)	£34,592	£17.68	-£2,871.14	-£3,830.17	-£1,761.76	£26,128.93	£2,177.41
Top of Band (4+ years)	£39,043	£19.95	-£3,826.21	-£4,529.36	-£2,117.84	£28,569.59	£2,380.80

Reference Salary Tables & Quick Facts

2026/27 Band 5 Salary & Deduction Reference (England)

Band 5 Pay Point	Annual Basic Pay	Monthly Gross	Standard Take-Home (Est.)	Pension Deduction
Entry Level	£32,073	£2,672	£2,084	8.3% - 9.8%
Top of Band	£39,043	£3,253	£2,505	8.3% - 9.8%

*Take-home pay estimates are based on the standard 2026/27 tax code (1257L), employee NI of 8%, and the 2015 CARE pension scheme. Actual net pay may vary depending on student loans, salary sacrifices, or tax code adjustments.

Frequently Asked Questions

How long does it take to progress to the top of Band 5? +

Under the Agenda for Change contract, progression timescales vary by band. For Band 5, it typically takes 2 years to reach the top pay point, subject to a satisfactory annual appraisal.

Does Band 5 receive High Cost Area Supplement (HCAS)? +

Yes, if you work in London or the surrounding fringe zones, you are eligible for HCAS. This adds an additional 20% for Inner London, 15% for Outer London, and 5% for the Fringe to your basic salary, subject to minimum and maximum caps.

What is the net take-home pay for a Band 5 role? +

A full-time Band 5 professional on the starting salary will receive a gross annual basic pay of £32,073. After standard tax, National Insurance, and pension deductions, this results in an estimated monthly take-home pay of approximately £2,084 (depending on your individual tax code and pension scheme).