The Complete NHS Scotland Salary & Take-Home Pay Calculator 2026/27

Calculate your precise NHS Scotland take-home pay for the 2026/27 financial year. Our Agenda for Change (AfC) salary calculator is fully updated for the latest Scottish Income Tax bands and SPPA pension tiers.

Get a detailed breakdown of your NHS Scotland take-home pay. Our calculator handles the 2026/27 SPPA pension tiers, NI, and Student Loans to give you an accurate estimate of your pay after tax. View your net pay by year, month, or week, including all your enhancements and allowances.

Supporting all NHS Scotland roles, including Nurses, Midwives, HCAs, Paramedics, AHPs, and Administrative staff.


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Your Details
1 2 3 4 5 6 7 8a 8b 8c 8d 9
Band 5
Entry
£32,073
Intermediate
£34,592
Top
£39,043
Hrs
Enter 36 or 37 hours. Hours above 37 should be entered as Overtime.

NHS Pension Scheme (2015 Scheme / Unified Contribution Rates)

£
Fixed monthly bonus for specific specialist roles. Taxable and pensionable.
£
Flat rate for being available to work. Taxable but usually not pensionable.
£
Covers "Acting Up" pay, special duty payments, or local bonuses.
£
Mileage, uniform allowance, or travel claims. Added after tax, pound-for-pound.

Paid at Annex B beyond-36-hours rate. Taxable but not pensionable.

£
Additional pension contributions via salary sacrifice (if applicable to your trust).
£
Monthly lease car deductions.
£
Monthly cycle to work scheme deductions.
£
Other salary sacrifice benefits like tech or gym memberships.
Gross Income

£0.00

Net Pay

£0.00

Tax Paid

-£0.00

Pension

-£0.00

Breakdown

Effective Tax Rate: 0%

Component Annual Value
Base Salary £0.00
+ Unsocial Hours +£0.00
+ Allowances & Overtime +£0.00
Total Gross Salary £0.00
- NHS Pension -£0.00
- Income Tax ( PAYE ) -£0.00
- National Insurance -£0.00
- Student Loan -£0.00
- Salary Sacrifice -£0.00
+ Work Expenses +£0.00
NET TAKE HOME £0.00

Comprehensive 2026/27 NHS Scotland Pay Features

  • Full AfC Scotland Coverage: All Bands 2-9 fully updated for the current financial year.
  • The 36-Hour Week: Fully updated for the transition to the reduced standard working week.
  • Scottish Tax Bands: Accurate pay after tax using unique 2026/27 Scottish Income Tax rates.
  • SPPA Pension Tiers: Automatically applies the latest NHS Scotland pension contribution rates.
  • Unsocial Hours: Estimate your weekend enhancements, nights, and bank shift rates.
  • Part-Time & Overtime: Calculate pro rata results and extra hours using the new 36-hour divisor.
  • Student Loan Plan 4: Specialized support for Scottish Student Loans, plus Plans 1, 2, and 5.
  • Professional Premia: Includes RRP (Recruitment & Retention Premia), On-Call, and Expenses.
  • Salary Sacrifice: Support for Lease Cars, Cycle to Work, and pension-friendly sacrifice schemes.

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Net Annual £0.00