Disclaimer

Not affiliated with the NHS

NHS Pay Calculator is an independent website. It is not part of, run by, funded by or endorsed by the NHS, NHS England, NHS Employers, NHS Business Services Authority (NHS Pensions), the Department of Health and Social Care, HMRC or any trade union. "NHS" is used only to describe who the tools are for.

Estimates, not advice

All calculator results are estimates to help you understand and plan. They are general information, not financial, tax, legal, pension or mortgage advice, and they do not take your full personal circumstances into account. We are not authorised or regulated by the Financial Conduct Authority and cannot give regulated advice.

Before you make a decision based on a result, such as changing your hours, choosing a pension option or applying for a mortgage, check with the right people:

• your employer's payroll or HR team for pay, overtime, leave and sick pay
• NHS Pensions for your pension record, benefit statements and retirement options
• HMRC for your tax code and tax position
• an FCA-regulated mortgage adviser or financial adviser for borrowing and investment decisions.

What the figures assume

Unless a calculator says otherwise, results use:

• 2026/27 Agenda for Change pay scales for staff in England
• the standard tax code 1257L and standard National Insurance (category A)
• the NHS Pension Scheme contribution tiers for the same year.

Pay scales, tax rates and some rules are different in Scotland, Wales and Northern Ireland, and for staff on local or non-Agenda for Change contracts. Your employer may also apply local agreements. Your payslip will reflect all of these, so it may differ from our estimate.

Mortgage and lender information

The mortgage calculator and lender directory are for general information only. Rates shown are examples taken from public sources on the date stated and may have changed. We do not recommend any lender or product, and we are not paid by lenders to list them. Your actual borrowing depends on the lender's own affordability and credit checks.

Accuracy and changes

We check figures against official sources and update them when rules change, usually each April. Even so, rules change and mistakes can happen, so we cannot guarantee that every figure is correct or up to date. Please report anything that looks wrong and we will look into it quickly.

Advertising

Adverts on this site are provided by Google and its partners. We do not choose individual adverts, and an advert appearing here does not mean we recommend the product or service. Adverts are kept visually separate from calculator results.

External links

Links to other websites are provided for convenience. We are not responsible for their content.

For the full terms that apply to using this site, see our terms of use.