NHS Pension Contribution Calculator
Which tier you are in and what it costs you after tax relief.
Your details
hrs
Your tier is based on what you actually earn.
Your contribution rate
8.3%
Tier for pensionable pay of £28,855 to £35,155
- Pensionable pay / year
- £32,073
- You pay / month
- £221.84
- Tax relief / month
- −£44.37
- Real cost to you / month
- £177.47
- Real cost / year
- £2,130
Tiers for 2026/27. Tax relief assumes tax code 1257L and no other income.
How it is worked out
- 1Your tier is set by your actual pensionable pay, so part-time staff are placed on what they really earn, not the full-time rate.
- 2Contributions are taken before income tax. The tax you would otherwise have paid on that money is your tax relief.
- 3The real cost is your contribution minus that tax relief.
Worth knowing
- Your employer also pays into the scheme on top of your contribution. That amount does not come out of your pay.
Sources
The rules and figures behind this calculator come from:
- NHS Business Services Authority: Cost of being in the NHS Pension Scheme
- NHS Business Services Authority: Membership of the NHS Pension Scheme
- GOV.UK: Income Tax rates and Personal Allowances
Results are estimates for Agenda for Change staff in England using 2026/27 figures. They are not financial advice. Your payslip, employer or NHS Pensions statement has the final word.
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