Know exactly what you earn
and what you'll retire on
Free NHS pay and pension calculators built on the real Agenda for Change scales. No account needed.
England, Scotland, Wales & NI · Official AfC and NHS Pension Scheme sources · Free forever
What do you want to work out?
Pick your question and go straight to the answer.
My take-home pay
Band, point and region to net monthly pay
My pension
2015 CARE projection, McCloud, retirement age
Nights & weekends
Rota, unsocial hours and overtime, taxed properly
Is a promotion worth it?
Pay rise vs lost enhancements
What can I borrow?
Mortgage range and key worker schemes
Interview practice
Values-based questions with AI feedback
Your payslip in four numbers
3.3%
2026/27 pay award
England, Wales & NI. Scotland: 3.75%
1/54th
pension built each year
2015 CARE scheme, revalued annually
5–20%
High Cost Area Supplement
London and fringe areas
30–47% / 60–94%
unsocial hours uplift
England, by band: nights & Saturdays / Sundays & bank holidays
How NHS pay and pensions work — the short version
- Agenda for Change covers about 1.5 million staff. Your pay is your band (2–9) and pay point, plus High Cost Area Supplement and unsocial hours enhancements if they apply.
- Doctors and dentists are on separate scales with their own review body and settlement. See NHS Pay.
- The 2015 pension banks 1/54th of each year's pensionable pay, revalued annually. Contributions run from 5.2% to 12.5% depending on earnings.
- McCloud decides which scheme your 2015–2022 service counts under. See NHS Pension.
Popular calculators
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FreeExact take-home from band, point and region
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Free + Pro2015 CARE projection, McCloud and commutation
Rota & Take-Home
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Maternity Pay
Free + ProWeek-by-week breakdown and return planner
Redundancy Pay
Free + ProSection 16 lump sum and decision brief
Sick Pay
FreeSection 14 entitlement by length of service
New and updated
All tools →Pay
NHS Pay Bands vs the £13.21 National Living Wage
Which Agenda for Change points sit below the April 2027 minimum wage.
Pension
Pension Tax Allowance 2027: Will It Help NHS Pensioners?
No Income Tax up to £13,036.40 from April 2027, and a checker for your income.
Pension
Budget 2026: What Changed for NHS Pay and Pensions
National Living Wage £13.21, the new pensioner allowance and tax rates, with sources.
Pay
NHS GP Pay: 2.4% Planned for 2027/28
What DHSC and NHS England told the DDRB, and the last three GP uplifts.
Pay
NHS Pay Award 2027/28: Government Plans 2.4%
The government's evidence, what 2.4% adds to each band, and what is not yet decided.
Tool
Pensioner Income Planner
Your NHS pension and State Pension after tax, now projected 10 to 30 years.
Pay
Is Your NHS Pay Keeping Up With Inflation?
Check your band and point against 3.5% CPI, England and Scotland.
Pension
NHS Pension Payment Dates 2026/27
How pension payment days work and when each month's payment lands.
Tool
NHS Pensioner Net Income Calculator
Your NHS pension and State Pension after tax, with the April 2027 rise.
Pay
NHS Pay Award 2027/28: What to Expect
The pay review body timetable and what is not yet known.
Pay
NHS Scotland vs England Pay Compared
Band by band, hours, tax and leave side by side.
Pay
NHS Band 5 Take-Home Pay 2026/27
What lands in your account at every pay point.
Rights
NHS Employment Tribunal Time Limit Calculator
Your claim deadline, with ACAS early conciliation.
Tool
NHS Bank Holiday Pay Calculator
The enhanced rate and time off in lieu for your shift.
Tool
NHS Car Lease Salary Sacrifice Calculator
The real cost after tax, NI and pension.
Guide
ESR Login Help for NHS Staff
Sign-in routes, resets and who can fix a locked account.
Find your role
All roles →Pay, progression and registration for every occupation.
Browse by topic
Pay & pensions
Money & life
Shift work & wellbeing
Real numbers, not averages
Your band, pay point, region and service length in, an exact figure out.
Independent
Not NHS England, not the DHSC, not a recruiter. Nothing here is made to sound rosier than it is.
Guides match the tools
Every calculator and guide uses the same figures, so results always agree.
Personal guidance, not just calculators
AI retirement strategist, redundancy brief, interview coach and CV reviewer, plus McCloud comparisons and PDF reports. Buy one tool, a bundle, or everything.
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