Calculator

NHS take-home pay calculator

Pick your band and pay point to see what actually lands in your bank account each month. Uses 2025/26 Agenda for Change rates (England).

Estimated monthly take-home

£1,926

£23,108 a year

Gross salary
£29,970
NHS pension
−£2,488
Income tax
−£2,982
National Insurance
−£1,392

Pension contribution rate: 8.3% of pensionable pay.

How the numbers are worked out

Your NHS pension is taken before tax (a "net pay arrangement"), so it reduces your income tax as well as your pay. National Insurance is charged at 8% between £12,570 and £50,270 a year and 2% above that. Income tax uses the standard 1257L tax code with England, Wales and Northern Ireland rates. Scottish taxpayers pay slightly different rates.

What isn't included

Unsocial hours enhancements, overtime, high cost area supplements (London weighting), salary sacrifice schemes and union subscriptions all change your final figure. Check your payslip for the exact deductions.