NHS Income After Tax Calculator 2025/26 – Calculate Your NHS Take-Home Pay
Welcome to the OneClickPicks NHS Income After Tax Calculator for the 2025/26 tax year. This essential tool helps NHS employees across the UK accurately estimate their NHS take-home pay after all standard deductions.
- NHS income after tax
- National Insurance contributions
- NHS pension deductions
- NHS student loan repayments
- NHS salary sacrifice amounts
Our NHS Pay Calculator 2025/26 covers all NHS pay bands and regional tax differences across England, Wales, Northern Ireland, and Scotland.
Your NHS Take-Home Pay Calculator Form
Fields marked with * are mandatory.
Your Estimated Take-Home Pay Breakdown
Important: Calculator Limitations
Our NHS Income After Tax Calculator provides a reliable estimation based on 2025/26 tax rules and NHS pay scales. However, it does not cover the following complex or personalized situations:
Impact: May lead to discrepancies in your monthly take-home pay if a complex or non-standard tax code is active for a period.
Impact: For very high earners affected by the taper, the estimated net pay might be slightly overstated as it won't include this potential additional tax.
Impact: If applicable, your estimated net pay will be overstated as it does not factor in this clawback of Child Benefit.
Impact: The annualised figures might not precisely reflect your month-by-month take-home pay during periods of irregular employment or significant pay changes within the tax year.
Summary: What Our Calculator Handles vs. What's a Genuine Limitation
| Feature | Calculator Can Handle | Truly a Limitation | Notes |
|---|---|---|---|
| Location-based Income Tax (Scotland vs E/W/NI) | ✅ Yes | ❌ No | Applies correct tax rates by country |
| HCAS (London Weighting/Fringe) | ✅ Yes | ❌ No | Location dropdown adjusts pay accordingly |
| Student Loan Plans | ✅ Yes | ❌ No | Calculates repayments for multiple plans |
| NHS Pension Contributions | ✅ Yes | ❌ No | Supports standard schemes and custom rates |
| NHS Pay Bands & Spine Points | ✅ Yes | ❌ No | Pro-rata for part-time hours |
| Benefits in Kind / Salary Sacrifice | ✅ Yes | ❌ No | Included accurately in calculations |
| Emergency/Adjusted Tax Code | 🟨 Partial | ✅ Yes | Cannot handle complex or irregular codes |
| Pension Annual Allowance Taper | ❌ No | ✅ Yes | Very complex, outside scope |
| High-Income Child Benefit Charge | ❌ No | ✅ Yes | Requires detailed household info |
| Part-Year Employment / Variable Pay | ❌ No | ✅ Yes | Assumes full-year employment |
Disclaimer: This calculator provides an estimation based on publicly available NHS pay scales, tax rates, National Insurance contributions, and student loan thresholds for the 2025/26 tax year. It is designed for typical NHS scenarios. Always consult a qualified financial advisor or HMRC for personalized advice, especially if you have complex tax codes or unique financial situations.