NHS Income After Tax Calculator 2025/26 – Calculate Your NHS Take-Home Pay

Estimate your take‑home pay for the 2025/26 UK tax year. We include Income Tax, National Insurance, NHS pension contributions, student loans, salary sacrifice and London HCAS.

NHS income after tax
National Insurance contributions
NHS pension deductions
Student loan repayments
Salary sacrifice and London HCAS

Your NHS Take-Home Pay Calculator Form

Select NHS Band:* i

Location:* i

Country of Residence for Tax:* i

Your Working Hours per Week:*

Full-Time Equivalent (FTE) Hours per Week:*

NHS Pension Scheme:*

Your Annual Tax Code:* i

Student Loan Plan:

Other Taxable Income (Annual): i

Annual Benefits in Kind: i

Estimated Annual Additional Earnings: i

Annual Salary Sacrifice: i

Other Regular Monthly Deductions:

Fields marked with * are mandatory.

Your Estimated Take-Home Pay Breakdown

Important: Calculator Limitations

This is an estimate based on 2025/26 rules and typical NHS scenarios. Complex tax codes (BR/D0/D1, emergency M1/W1), payrolling benefits, or part‑year changes can make payroll results differ.

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Emergency or Adjusted Tax Codes

Monthly smoothing and emergency codes aren’t simulated. Annualised approach used.

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Pension Annual Allowance / Taper

High‑earner allowance/taper tax not included.

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High‑Income Child Benefit Charge

Not calculated — household dependent.

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Part‑Year / Irregular Pay Patterns

Assumes full‑year employment at steady rates.

Disclaimer: Always confirm with your payslip and HMRC/NHSBSA guidance for your exact situation. This tool uses the 2025/26 thresholds, Scottish bands, NI, NHS pension tiers and HCAS caps.

NHS Income After Tax Calculator 2025/26 – Calculate Your NHS Take-Home Pay

Your NHS Take-Home Pay Calculator Form

Your Estimated Take-Home Pay Breakdown

Summary for 2025/26 Tax Year

Important: Calculator Limitations