Does the NHS pension count as taxable income?

Yes. Your NHS pension contribution is taken from your gross salary, reducing your taxable pay, but the pension itself is paid from pre-tax earnings. The calculator applies the 2026/27 tiered employee contribution rates (5.2%–12.5%) and shows the effect on take-home pay.

How does London weighting affect my NHS take-home pay?

The High Cost Area Supplement (London weighting) increases your gross salary before tax, National Insurance and pension deductions are applied, so it raises your take-home pay but also pushes more into higher tax and student loan bands.

Are unsocial hours and overtime included?

Yes. You can add enhancements such as night, weekend and on-call payments as additional gross pay, and the calculator re-runs the full Income Tax, NI and NHS pension calculation.

NHS Salary Calculator 2026/27

Your NHS Role

Band

Step (Pay Point)

Steps reflect years of service at the band.

London Weighting (High Cost Area Supplement)

None Fringe (+5%) Outer (+15%) Inner (+20%)

Unsocial Hours / Overtime (annual)

Estimated annual £ value of night/weekend enhancements + overtime.

Annual Bonus

Region (Tax)

Tax Code

NI Category

Student Loan

PG Loan

Annual Take-Home Pay

^£0

Monthly: £0

Weekly: £0

Effective rate: 0%

Base salary

£0

NHS pension rate

Pension contribution

£0

Overtime tier jump: Your unsocial hours / overtime pay has pushed your total pensionable pay into a higher NHS Pension contribution tier. The higher rate applies to your whole pensionable pay, not just the extra — so the marginal benefit of the extra earnings is reduced. Consider whether the additional work is worth it.

Where Your Money Goes

Take-home

Annual Breakdown

NHS Pension Insights

NHS Pension Tiers (2026/27)

Pensionable pay range	Rate	Your contribution

Source: NHSBSA — Contribution rates from 1 April 2026 (CPI indexation 3.8%). Employer contribution: 23.7%.