NHS Band 8b Take-Home Pay
What you actually take home on an NHS Band 8b salary in 2026/27, after tax, National Insurance, pension and student loan.
Preset: NHS Band 8b entry point, with a 5% pre-tax NHS pension.
Per year, before tax. The result updates as you type.
Advanced options
Your take-home pay
per year£45,524
£45,524 per year · £3,794 per month
- Gross salary
- £63,576.00
- Income Tax
- −£11,590.88
- National Insurance
- −£3,282.12
- Student Loan
- −£0.00
- Pension
- −£3,178.80
- Take-home pay
- £45,524.20
Effective rate
23.4%
Marginal rate
45.0%
Estimate only — not financial or tax advice. Based on standard 2026/27 rates.
NHS Band 8b pay points (2026/27)
| Experience | Gross / yr | Take-home / yr | Take-home / mo |
|---|---|---|---|
| Entry | £63,576 | £45,524 | £3,794 |
| 5+ years | £73,886 | £51,195 | £4,266 |
Assumes England tax bands, a 5% pre-tax NHS pension and no student loan. Use the calculator above to match your own circumstances.
Our figures use the standard 2026/27 Income Tax, National Insurance and student loan rates published by HMRC and the devolved administrations. See our methodology for exactly how each deduction is worked out, or check the official sources: