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Take Home Tax
Updated for 2026/27

NHS Band 9 Take-Home Pay

What you actually take home on an NHS Band 9 salary in 2026/27, after tax, National Insurance, pension and student loan.

Preset: NHS Band 9 entry point, with a 5% pre-tax NHS pension.

£

Per year, before tax. The result updates as you type.

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Student loan plan

Your take-home pay

per year

£69,338

£69,338 per year · £5,778 per month

Gross salary
£107,724.00
Income Tax
−£28,834.68
National Insurance
−£4,165.08
Pension
−£5,386.20
Take-home pay
£69,338.04

Effective rate

30.6%

Marginal rate

64.0%

Estimate only — not financial or tax advice. Based on standard 2026/27 rates.

Take home per year £69,338

NHS Band 9 pay points (2026/27)

Experience Gross / yr Take-home / yr Take-home / mo
Entry £107,724 £69,338 £5,778
5+ years £123,964 £75,109 £6,259

Assumes England tax bands, a 5% pre-tax NHS pension and no student loan. Use the calculator above to match your own circumstances.

Tax year 2026/27 Last updated 6 April 2026

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:

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Frequently asked questions

How much is NHS Band 9 take-home pay?
An NHS Band 9 salary of £107,724 works out to roughly £69,338 take-home per year (£5,778 per month) after Income Tax, National Insurance and a 5% NHS pension. Adjust the calculator for your exact contribution and student loan.
What roles are NHS Band 9?
Typical Band 9 roles include Director, Chief scientist, Very senior manager.
Is the NHS pension included?
The table assumes a 5% pension contribution taken before tax. Your actual NHS pension rate is tiered by earnings — set your rate under Advanced options in the calculator.