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NHS Take Home Pay Calculator (Updated for 2024/25)

Use the Saving Tool UK income tax calculator to find out the Income Tax, National Insurance contributions and Student Loan repayments on your NHS salary in the 2024/25 tax year. See your take-home pay by year, month or week.

See below for a full breakdown of the tax you will pay. Add more information such as your workplace pension and student loan repayments for a more detailed picture of your finances.

Note that NHS and other public sector pensions are different to private sector Defined Contribution (DC) pensions. To input a Defined Benefit (DB) Pension, try Saving Tool Advanced.

Your Income

£per year (pre-tax)
£per year (pre-tax)
Income from Bonuses, Commission, Overtime, Capital Gains, Investments, etc.
Your Contributions
%
Employer's Contributions
%
Try adjusting your contributions to see how it affects everything.
Tax Residency
England/NI/Wales
State Pension Age
68 (Everyone aged 46 and under)
To get an accurate state pension age, use the gov.uk calculator
Plan 1
Outstanding Balance
£

Your taxes (2024/25)

Various assumptions apply
The primary assumptions are that you are a FTE and that standard tax rates for 2024/25 apply to you. For fewer limitations, try Saving Tool Advanced.
YearMonthWeek
Gross Income£28,500£2,375£548
Pension Contributions£0£0£0
Employer Pension Contributions£0£0£0
Taxable Income£28,500£2,375£548
Personal allowance£12,570--
National Insurance£1,273£106£24
Income Tax£3,186£266£61
Take Home Pay£24,041£2,003£462
HMRC Tax rates and rules last updated 15/09/2024

Your Monthly Expenses

Essential outgoings

Things you have to pay for
£
£
£
£
£
£

Non-essential outgoings

Things you choose to pay for
£

Your Monthly Outgoings

Your Plan

The earliest you can retire with your workplace pension is usually 55. You won't get your state pension until your mid or late 60s, depending on your current age. Tip: try playing around with your target retirement age to see how things change.
£
The total balance of all your existing pension pots.
£
The total balance of any existing ISA Savings accounts (GIAs are not currently supported)

Projected Pension

Wealth & Financial Independence More Info

%
%
%
Financial independence means having enough saved that your expenses will be covered for the rest of your life.

Projected Wealth

Calculations
  • FI Target = Annual outgoings (£17,472) * Years needed for 4.00% SWR (25.00) = £436,800
  • Invested annual pension = £0
  • Invested annual surplus = £2,201
  • Inflation of 2.5% / year
  • Assumes New State Pension, payments increasing with inflation (2.5% / year)
  • Assumes student loans last 30 years max
  • Assumes a flex-drawdown pension for illustration purposes
  • Assumes you draw down pension up to the higher rate bracket (£50,270), then draw down your S&S ISA
  • Pension lump sums are not included

How to Use Our NHS Pay Calculator

If you're part of the NHS workforce, understanding your payslip can sometimes feel like a puzzle. Whether you're a nurse, doctor, or working behind the scenes, our easy-to-use tools can help you see exactly what you take home each month. By simply entering your salary band, we'll give you a clear breakdown of your pay after tax, national insurance, and other deductions.

You can adjust for overtime, pension contributions, and tax codes too, ensuring the figures reflect your personal circumstances. This way, you'll have a full picture of your earnings and know exactly how much money lands in your account each month.

Understanding NHS Pay Bands

NHS salaries are structured around a system of pay bands. These bands are used to determine your pay based on your role, experience, and responsibilities. Here's a breakdown of the different NHS pay bands for the current tax year.

Band 2

See the Band 2 calculator

Example Roles: Domestic support worker, healthcare assistant, security officer

Experience LevelSalary (2024/25)After Tax & NI (2024/25)Monthly Take-Home (2024/25)
< 2 years£23,615£20,524£1,710
2+ years£23,615£20,524£1,710

Band 3

See the Band 3 calculator

Example Roles: Emergency care assistant, trainee clinical coder

Experience LevelSalary (2024/25)After Tax & NI (2024/25)Monthly Take-Home (2024/25)
< 2 years£24,071£20,852£1,738
2+ years£25,674£22,006£1,834

Band 4

See the Band 4 calculator

Example Roles: Assistant practitioner, pharmacy technician, dental nurse

Experience LevelSalary (2024/25)After Tax & NI (2024/25)Monthly Take-Home (2024/25)
< 3 years£26,530£22,622£1,885
3+ years£29,114£24,483£2,040

Band 5

See the Band 5 calculator

Example Roles: Newly qualified nurses, ODP, podiatrist

Experience LevelSalary (2024/25)After Tax & NI (2024/25)Monthly Take-Home (2024/25)
< 2 years£29,970£25,099£2,092
2-4 years£32,324£26,794£2,233
4+ years£36,483£29,788£2,482

Band 6

See the Band 6 calculator

Example Roles: School nurse, experienced paramedic, estates officer

Experience LevelSalary (2024/25)After Tax & NI (2024/25)Monthly Take-Home (2024/25)
< 2 years£37,338£30,404£2,534
2-5 years£39,405£31,892£2,658
5+ years£44,962£35,893£2,991

Band 7

See the Band 7 calculator

Example Roles: Communications manager, estates manager, high intensity therapist

Experience LevelSalary (2024/25)After Tax & NI (2024/25)Monthly Take-Home (2024/25)
< 2 years£46,148£36,747£3,062
2-5 years£48,526£38,459£3,205
5+ years£52,809£41,187£3,432

Band 8a

See the Band 8a calculator

Example Roles: Consultant prosthetist/orthotist, modern matron, nurse consultant

Experience LevelSalary (2024/25)After Tax & NI (2024/25)Monthly Take-Home (2024/25)
< 2 years£53,755£41,736£3,478
2-5 years£56,454£43,301£3,608
5+ years£60,504£45,650£3,804

Band 8b

See the Band 8b calculator

Example Roles: Strategic management, head of education and training, clinical physiology service manager

Experience LevelSalary (2024/25)After Tax & NI (2024/25)Monthly Take-Home (2024/25)
< 2 years£62,215£46,642£3,887
2-5 years£66,246£48,980£4,082
5+ years£72,293£52,488£4,374

Band 8c

See the Band 8c calculator

Example Roles: Head of HR, consultant clinical scientist, consultant paramedic

Experience LevelSalary (2024/25)After Tax & NI (2024/25)Monthly Take-Home (2024/25)
< 2 years£74,290£53,646£4,470
2-5 years£78,814£56,270£4,689
5+ years£85,601£60,206£5,017

Band 8d

See the Band 8d calculator

Example Roles: Consultant psychologist, chief nurse, chief finance manager

Experience LevelSalary (2024/25)After Tax & NI (2024/25)Monthly Take-Home (2024/25)
< 2 years£88,168£61,695£5,141
2-5 years£93,572£64,829£5,402
5+ years£101,677£69,195£5,766

Band 9

See the Band 9 calculator

Example Roles: Podiatric consultant, director of estates and facilities

Experience LevelSalary (2024/25)After Tax & NI (2024/25)Monthly Take-Home (2024/25)
< 2 years£105,385£70,604£5,884
2-5 years£111,740£73,019£6,085
5+ years£121,271£76,641£6,387

It's important to note that these bands reflect base salaries, and your actual take-home pay can differ based on factors like pension contributions, overtime, and tax deductions. Many NHS staff also receive additional payments for unsocial hours or on-call duties.

Additional Benefits for NHS Staff

Beyond your salary, NHS staff are entitled to various additional benefits that can make a big difference to your overall compensation. These include:

  • Pension Scheme: The NHS pension is one of the most generous in the UK, offering substantial employer contributions and providing long-term financial security
  • Annual Leave: NHS employees receive between 27 and 33 days of annual leave, depending on their length of service
  • Sick Pay: Depending on your length of service, you may be eligible for full pay for up to six months if you are unwell
  • Maternity and Paternity Pay: Enhanced maternity and paternity leave options allow for more financial support during family leave
  • Career Development: With various training programmes and support for further education, the NHS invests in the long-term development of its staff

Whether you're just starting your NHS career or have been with the service for years, these benefits add up to a well-rounded compensation package designed to support you both now and in the future

Tax and National Insurance

Like any other job, your NHS salary is subject to income tax and National Insurance (NI) contributions. These deductions can sometimes make it hard to predict exactly how much you'll take home, but understanding the basics will help you plan your finances better.

In the 2024/25 tax year, income tax is applied as follows:

  • Up to £12,570: 0% (Personal Allowance)
  • £12,571 to £50,270: 20% (Basic Rate)
  • £50,271 to £125,140: 40% (Higher Rate)
  • Above £125,140: 45% (Additional Rate)

Your National Insurance contribution is also based on your earnings and is calculated as a percentage of your gross pay. For 2024/25:

  • 12% on earnings between £12,570 and £50,270
  • 2% on earnings above £50,270

By having a clear view of your tax and National Insurance contributions, you can better plan your savings, spending, and overall financial health.