NHS Band 5 entry take-home (£29,970 gross): £22,748/year (£1,896/month) after income tax, NI and 9.8% NHS pension. Top of Band 5 (£36,483 gross): £26,927/year (£2,244/month). London Inner HCAS adds £5,132 to gross.

NHS Band 5 Take-Home Pay 2026-27

Agenda for Change 2026-27. Take-home after income tax, National Insurance and 9.8% NHS pension. Updated April 2026.

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.

NHS Pension Scheme — Band 5 Contribution

Band 5 employees contribute 9.8% to the NHS Pension Scheme 2015 — a defined benefit CARE (Career Average Revalued Earnings) scheme. The employer contributes approximately 23.7%. Despite the 9.8% cost, this is one of the most valuable pension arrangements available in the UK.

Frequently Asked Questions

Common questions about NHS Band 5 take-home pay.

NHS Band Pay Guides