Working out what actually reaches your bank account each month is rarely straightforward for NHS staff. Your Agenda for Change band and pay point are only the starting point: Income Tax, National Insurance, NHS Pension contributions, student loan repayments, High Cost Area Supplement (London weighting) and unsocial hours enhancements all change the figure on your payslip. This free NHS Pay Calculator brings those pieces together using the 2026/27 pay scales, so you can see an estimate of your take-home pay in seconds. It is an independent tool that runs in your browser and does not ask for personal details, but results are estimates only, so always confirm your final pay with your trust’s payroll team. To see where the figures come from, you can also browse the NHS pay scales 2026/27 or the pay band guides.