Uses England & Northern Ireland income tax bands. NHS AfC figures are indicative (England 2024/25 style)—actual spine points differ. Not a substitute for your payslip or HMRC.
Core inputs
Ranges are indicative; pick midpoint or use slider.
Results
Net (year)
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Net (month)
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Net (week)
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Total deductions
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Salary breakdown
| Component | Amount (£/yr) |
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Tax code comparison
What-if salary (slider above)
NHS vs private (same gross)
Private column uses your “private sector pension %” on gross; same tax/NI/student loan rules.
Tax & NI detail
How NHS salary is calculated
Your contractual gross comes from the Agenda for Change pay spine (band and spine point). Take-home pay is gross minus Income Tax, Class 1 NI, pension, and any student loan—often with pension taken before tax via salary sacrifice.
What is a tax code?
A code like 1257L tells your employer how much tax-free allowance to apply (1257 × £10 = £12,570 for a standard L code). Codes can be adjusted for benefits or underpayments.
How to increase take-home pay
- Check your tax code on your payslip and P60/P45.
- Understand pension tiering—rates vary by full-time equivalent pay.
- Use HMRC calculators or speak to payroll for childcare vouchers, cycle schemes, etc.
Embed
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FAQ
- How much tax do NHS workers pay?
- It depends on taxable income after allowances; UK income tax uses bands (basic, higher, additional) for England & NI.
- What is NHS Band 5 salary after tax?
- Band 5 has a range of spine points; select Band 5 here or enter your exact gross from your contract.
- How is take-home pay calculated in the UK?
- Typically gross minus Income Tax, National Insurance, pension, and student loan where applicable.
- What deductions are applied to salary?
- Common PAYE deductions include tax, NI, workplace pension, and student loan repayments.