What is the take-home pay for an NHS Band 5 Entry in 2026/27?

An NHS Band 5 on the entry step has a basic salary of £32,073. After the Tier 3 · 8.3% NHS pension contribution (£2,662), £3,368 PAYE income tax and £1,560 Class 1 National Insurance, the net take-home is £24,483 per year — £2,040.21 per month.

How much more does Band 5 earn with London weighting?

On top of the £32,073 basic, Inner London adds a £6,415 HCAS supplement (20%, clamped to the statutory floor/cap) and Outer London adds £4,870 (15%). That lifts the monthly take-home to £2,351 (Inner) and £2,269 (Outer) respectively — though a larger HCAS can push pensionable pay into a higher cliff-edge pension tier.

Which NHS pension tier applies to Band 5 Entry?

At a pensionable gross of £32,073, an NHS Band 5 Entry falls in Tier 3 · 8.3%. 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 5 entry step.

Penny-accurate take-home for an NHS Band 5 on the entry step — basic pay of £32,073, the cliff-edge Tier 3 · 8.3% 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): £32,073
Net monthly: £2,040
Effective rate: 23.7%

National

No HCAS supplement

Monthly take-home

£2,040

Annual take-home: £24,483
Pensionable gross: £32,073
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£2,269

Annual take-home: £27,222
Pensionable gross: £36,943
HCAS supplement: +£4,870

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£2,351

Annual take-home: £28,213
Pensionable gross: £38,488
HCAS supplement: +£6,415

Deduction stack · NHS Band 5 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	£32,073	£36,943	£38,488
HCAS supplement	£0	£4,870	£6,415
NHS pension	£2,662	£3,620	£3,772
Income tax (PAYE)	£3,368	£4,151	£4,429
National Insurance	£1,560	£1,950	£2,073
Annual take-home	£24,483	£27,222	£28,213
Monthly take-home	£2,040	£2,269	£2,351

Reference · 2026/27 FROZEN

The Tier 3 · 8.3% NHS pension and HMRC thresholds driving the national column above.

Basic salary £32,073
NHS pension tier Tier 3 · 8.3%
Pension contribution £2,662
Inner London HCAS £6,415
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.