NHS Tax & National Insurance Calculator 2025/26

NHS Tax & National Insurance Calculator

Tax Year 2025/26 – For NHS Staff and Healthcare Professionals

About NHS Tax & National Insurance (NI) Calculator (2025/26)

NHS Tax and National Insurance Calculator (2025/26), a clear and accurate tool designed to help NHS staff estimate their take home pay after tax, National Insurance (NI), pension contributions and student loan deductions.

Whether you are a nurse, doctor, healthcare assistant, midwife or administrative professional, this calculator shows exactly how your annual salary converts into your real monthly income.

If you would like to view your full pay scale, please check the NHS Pay Band and Salary Bands 2025/26 to explore your Agenda for Change (AfC) pay band, progression and High Cost Area Supplements.

What This NHS Tax & NI Calculator Uses (2025/26)

  • This calculator uses:Official HMRC 2025/26 Income Tax thresholds
  • Official 2025/26 National Insurance rates
  • NHS Pension Scheme contribution tiers
  • NHS AfC salary structure
  • Region-specific tax differences for Scotland


This ensures the most accurate NHS take-home pay estimate for the 2025/26 tax year.

Who This Calculator Is For

This tool is designed for:

  • Nurses
  • Doctors
  • Healthcare Assistants
  • Midwives
  • Paramedics
  • Allied Health Professionals
  • Administrative and Support Staff

Basically, anyone paid on Agenda for Change (AfC) or NHS staff bank.

Why This Calculator Matters

Working in the NHS involves several statutory and pension deductions, which can make it difficult to understand your true take-home pay.

This calculator uses the latest 2025/26 HMRC tax and NI rates together with current NHS Pension Scheme contribution tiers to give you a complete picture of your earnings.

It accurately reflects:

  • Updated NHS Pension contribution rates for 2025/26
  • Correct Income Tax and NI thresholds for England, Wales, Northern Ireland and Scotland
  • Optional Student Loan and Additional Voluntary Contribution (AVC) deductions
  • Regional variations in NHS pay

To explore your full salary structure, use the NHS Salary Calculator 2025/26, or check your retirement benefits with the NHS Pension Calculator.

How NHS Tax & NI Calculator Works

  • Enter your annual salary (£): your total gross NHS pay before deductions.
  • Select your region: England/Wales/NI or Scotland.
  • Add details about your pension, student loan and other deductions.
  • Press “Calculate” to view:
  • Annual, monthly, weekly and daily take-home pay
  • Effective tax rate
  • A visual breakdown of all deductions

If you regularly work unsocial hours or extra shifts, use the NHS Unsocial Hours Pay and Overtime Calculator to estimate enhancements and overtime pay.

What You’ll See

  • Net Annual Take-Home Pay – your income after all deductions
  • Monthly, Weekly and Hourly Figures – for easier financial planning
  • Effective Tax Rate – how much of your salary goes to tax and NI
  • Visual Breakdown Chart – showing each deduction proportion
  • Detailed Table – with line-by-line clarity for every deduction

Perfect for:

  • NHS staff on Agenda for Change Bands 2 to 9
  • Part-time and full-time employees
  • Staff receiving unsocial hours enhancements
  • Anyone comparing pension options or overtime impact

Example Scenario:

Rhonda Howard, a band 5 nurse (outside London) earning £32,500 per year:

  • Income Tax and NI: approximately £5,200
  • NHS Pension: approximately £2,800
  • Net Take-Home Pay: around £23,900 per year (£1,990 per month)

The NHS Tax & National Insurance Calculator for 2025/26 provides an accurate and transparent breakdown of your take-home pay, using the latest HMRC and NHS Pension data. It helps you understand how income tax, national insurance, and pension contributions affect your salary as an NHS employee.

Whether you’re planning your next career move, reviewing your pension contributions, or comparing part-time and overtime pay, this calculator gives you the clarity you need to make informed financial decisions

Common Questions Answered

It estimates your real take-home pay after Income Tax, NI, NHS Pension contributions, and Student Loan repayments, based on 2025/26 HMRC tax bands and NHS pension tiers.

Any NHS or healthcare worker — nurses, doctors, midwives, paramedics, healthcare assistants, and admin staff.

It uses 2025/26 thresholds: 0% up to £12,570, then 20%, 40% and 45% depending on income and region.

Yes. For 2025/26, most staff pay 8% between £12,570–£50,270 and 2% on earnings above that.

They range from 5.1% to 12.5% of your pay, depending on your salary. Your employer also contributes 23.7%.

Yes. Income Tax, NI and pension contributions are all based on your actual pay, so part-time workers pay proportionally less.

Overtime is taxed like regular income. Use the NHS Overtime Calculator to find your true take-home from additional hours.

Repayments depend on your plan. This tool supports Plans 1, 2, 4, 5 and Postgraduate thresholds for 2025/26.

Yes. Selecting Scotland automatically applies the correct Scottish Income Tax bands.

Yes. You can model pension opt-outs or add AVC amounts to see how they affect take-home pay.

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