UK 2026/27 tax year · Updated 2026-06-10
Healthcare is the UK's largest employer, and its pay rules are unusually intricate. NHS staff sit on Agenda for Change bands or separate doctor and dentist contracts, with pay uplifts, unsocial-hours enhancements and locum or bank shifts layered on top. The NHS Pension Scheme is one of the most valuable defined-benefit schemes in the country, but contribution tiers, the 2015 scheme, McCloud remedy and the annual and lifetime allowance changes make take-home and pension planning genuinely confusing. Many clinicians also work privately or as locums through limited companies, where IR35 and self-employment rules bite. Student loans loom large for doctors and other graduates, often running for decades. On top of pay come the usual personal finance pressures — mortgages, childcare, maternity and sick pay. These calculators help nurses, doctors, paramedics, pharmacists and other NHS and private healthcare staff estimate net pay, pension contributions, statutory entitlements and the tax on additional work.
Work out net pay from NHS and healthcare salaries.
Plan pension contributions and statutory pay.
Manage your everyday and longer-term finances.
Want to know what this role typically earns? NHS take-home pay →
Estimates for general guidance only, based on 2026/27 UK rates. Not financial advice.