Quick Answer — 2026-27

NHS Band 7 entry take-home (£46,148 gross): £32,942/year (£2,745/month) after income tax, NI and 12.5% NHS pension. Top of Band 7 (£52,809 gross): £36,909/year (£3,076/month). London Inner HCAS adds £5,132 to gross.

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NHS Band 7 Take-Home Pay 2026-27

Agenda for Change 2026-27. Take-home after income tax, National Insurance and 12.5% NHS pension. Updated April 2026.

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NHS Band 7 Pay — 2026-27 Take-Home

England outside London. After income tax, NI and 12.5% NHS pension.

Pay PointGross SalaryAnnual Take-HomeMonthly Take-HomePension
Entry£46,148£32,942£2,74512.5%
Top£52,809£36,909£3,07612.5%

London High Cost Area Supplement (HCAS)

NHS staff working in or around London receive a High Cost Area Supplement added to their gross salary. At Band 7 salaries, note that some HCAS income may fall above the £50,270 higher-rate threshold.

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

NHS Pension Scheme — Band 7 Contribution

Band 7 employees contribute 12.5% to the NHS Pension Scheme 2015. The employer contributes approximately 23.7%. At Band 7, salary sacrifice pension top-ups are particularly effective because they reduce income that may otherwise be taxed at 40%.

Employee contribution
12.5% 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%
At Band 7, salary sacrifice into AVCs can pull income below the 40% threshold. Use our Salary Sacrifice Calculator to model your saving.

Frequently Asked Questions

Common questions about NHS Band 7 take-home pay.

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Band 7 entry take-home
£2,745/mo
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