What is the take-home pay for an NHS Band 2 Entry in 2026/27?

An NHS Band 2 on the entry step has a basic salary of £25,272. After the Tier 2 · 6.5% NHS pension contribution (£1,643), £2,212 PAYE income tax and £1,016 Class 1 National Insurance, the net take-home is £20,401 per year — £1,700.11 per month.

How much more does Band 2 earn with London weighting?

On top of the £25,272 basic, Inner London adds a £5,794 HCAS supplement (20%, clamped to the statutory floor/cap) and Outer London adds £4,870 (15%). That lifts the monthly take-home to £1,985 (Inner) and £1,935 (Outer) respectively — though a larger HCAS can push pensionable pay into a higher cliff-edge pension tier.

Which NHS pension tier applies to Band 2 Entry?

At a pensionable gross of £25,272, an NHS Band 2 Entry falls in Tier 2 · 6.5%. The NHS scheme is a Net Pay Arrangement, so the contribution is deducted before PAYE — granting immediate tax relief — while National Insurance is still charged on the full gross.

NHS · Agenda for Change · FY 2026/27 Calc-engine routed

NHS Band 2 entry step.

Penny-accurate take-home for an NHS Band 2 on the entry step — basic pay of £25,272, the cliff-edge Tier 2 · 6.5% NHS pension as a Net Pay Arrangement, and Inner / Outer London HCAS side by side.

Engine note · `computeNhsBreakdown()` — HCAS floor/cap clamp, cliff-edge pension on the whole gross, NI on full gross, PAYE on the post-pension base. Integer pence, no float drift.

Basic (national): £25,272
Net monthly: £1,700
Effective rate: 19.3%

National

No HCAS supplement

Monthly take-home

£1,700

Annual take-home: £20,401
Pensionable gross: £25,272
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£1,935

Annual take-home: £23,220
Pensionable gross: £30,142
HCAS supplement: +£4,870

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£1,985

Annual take-home: £23,824
Pensionable gross: £31,066
HCAS supplement: +£5,794

Deduction stack · NHS Band 2 Entry

Standard tax code 1257L, no student loan. NHS pension is a Net Pay Arrangement (deducted before PAYE); NI is charged on the full pensionable gross. Layer pension tiers, HCAS and student loans live in the NHS calculator.

Line item	National	Outer London	Inner London
Pensionable gross	£25,272	£30,142	£31,066
HCAS supplement	£0	£4,870	£5,794
NHS pension	£1,643	£2,502	£2,578
Income tax (PAYE)	£2,212	£3,014	£3,184
National Insurance	£1,016	£1,406	£1,480
Annual take-home	£20,401	£23,220	£23,824
Monthly take-home	£1,700	£1,935	£1,985

Reference · 2026/27 FROZEN

The Tier 2 · 6.5% NHS pension and HMRC thresholds driving the national column above.

Basic salary £25,272
NHS pension tier Tier 2 · 6.5%
Pension contribution £1,643
Inner London HCAS £5,794
Outer London HCAS £4,870
Personal Allowance £12,570

Step through the pay grid

Adjacent steps in this band and the same step on neighbouring bands — plus the interactive tool for pension, HCAS and student-loan overlays.