What This Site Is
My NHS Pay (mynhstakehomecalculator.co.uk) is a free, independent resource that helps NHS Agenda for Change (AfC) staff understand their pay. Our tools calculate take-home pay after Income Tax, National Insurance, NHS Pension contributions and student loan repayments, and our written guides explain how NHS pay, pensions, leave and allowances actually work in practice.
Everything on the site is free to use, requires no sign-up, and runs entirely in your browser — your salary details are never sent to a server or stored.
Who It Is For
The site is built for the people who make up the NHS workforce — nurses, healthcare assistants, allied health professionals, doctors, administrative and estates staff, and anyone else employed on Agenda for Change terms across England, Scotland, Wales and Northern Ireland. Whether you are starting a new band, picking up bank shifts, going on maternity leave, or planning your pension, the calculators are designed to give you a realistic figure rather than a rough guess.
How Our Calculator Works
We model the full deduction stack that appears on a real NHS payslip, in the correct order:
- Your gross salary is taken from the official Agenda for Change pay point for your band, experience step and contracted hours, plus any High Cost Area Supplement (London weighting).
- NHS Pension contributions are deducted first, using the correct tiered rate (5.2% to 12.5%) for your pensionable pay — and because pension is paid before tax, it reduces your taxable income.
- Income Tax is applied using your tax code and the correct England/Scotland bands (Scotland has its own six-band system).
- National Insurance is calculated at 8% between the primary threshold and upper earnings limit, and 2% above it.
- Student loan repayments (Plan 1, 2, 4, 5 or Postgraduate) are added where relevant.
Our Data Sources
We only use official, primary sources, and we update the figures each time a new tax year or pay award is confirmed. Our current 2026/27 figures come from:
- NHS Employers — Agenda for Change pay scales and High Cost Area Supplements.
- GOV.UK and gov.scot — Income Tax rates and bands for the rest of the UK and Scotland.
- NHS Pensions (NHSBSA) — member contribution tiers and thresholds.
- Student Loans Company / GOV.UK — student loan repayment thresholds.
Accuracy & Editorial Independence
We are not affiliated with, endorsed by, or connected to NHS England, NHS Scotland, NHS Wales, any NHS Trust, or HM Government. We are an independent educational resource. We take accuracy seriously and cross-check our figures against the primary sources above, but a calculator cannot know every detail of your personal circumstances (salary sacrifice arrangements, unusual tax codes, court orders, and so on). Figures are therefore an accurate estimate for guidance — see our full disclaimer.
How We Keep Our Figures Accurate
Because our tools deal with people's pay, accuracy is something we take seriously. Our editorial process is:
- Every rate and threshold is taken from an official primary source (listed above) — never copied from other calculators.
- We review and update the figures whenever a new tax year begins or a pay award is confirmed, and each page shows the tax year it covers.
- Our calculations are cross-checked against worked examples and against real payslip deductions before they go live.
- When we find, or are told about, an error we correct it promptly. Reader corrections are always welcome and genuinely help.
This site is written and maintained by the My NHS Pay editorial team. If you have relevant payroll, finance or NHS experience and would like to contribute or review our content, please get in touch.
Contact & Feedback
Spotted a figure that looks wrong, or want to suggest a feature? We genuinely want to hear it — corrections help every visitor. Please get in touch via our Contact page.