Quick Answer — 2026-27

NHS Band 3 entry take-home (£24,336 gross): £19,944/year (£1,662/month) after income tax, NI and 5.0% NHS pension. Top of Band 3 (£25,527 gross): £20,802/year (£1,734/month). London Inner HCAS adds £5,132 to gross.

TaxdCalcNHS Pay GuideBand 3

NHS Band 3 Take-Home Pay 2026-27

Agenda for Change 2026-27. Take-home after income tax, National Insurance and 5.0% NHS pension. Updated April 2026.

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NHS Band 3 Pay — 2026-27 Take-Home

England outside London. After income tax, NI and 5.0% NHS pension.

Pay PointGross SalaryAnnual Take-HomeMonthly Take-HomePension
Entry£24,336£19,944£1,6625.0%
Top£25,527£20,802£1,7345.0%

London High Cost Area Supplement (HCAS)

NHS staff working in or around London receive a High Cost Area Supplement added to their gross salary. These supplements increase take-home proportionally after tax.

Fringe
+£1,478 gross
Outer London
+£4,271 gross
Inner London
+£5,132 gross

NHS Pension Scheme — Band 3 Contribution

Band 3 employees contribute 5.0% to the NHS Pension Scheme 2015 — a defined benefit CARE scheme. The employer contributes approximately 23.7%. Despite the cost, this is one of the UK's most valuable pension arrangements.

Employee contribution
5.0% of pensionable pay
Employer contribution
~23.7% of salary
Scheme type
Defined Benefit CARE
Normal Pension Age
State Pension Age
Accrual rate
1/54 per year
Revaluation
CPI + 1.5%
Boost your pension with salary sacrifice — you save NI too. Use our Salary Sacrifice Calculator to model the saving.

Frequently Asked Questions

Common questions about NHS Band 3 take-home pay.

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Band 3 entry take-home
£1,662/mo
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