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

An NHS Band 5 on the intermediate step has a basic salary of £34,592. After the Tier 3 · 8.3% NHS pension contribution (£2,871), £3,830 PAYE income tax and £1,762 Class 1 National Insurance, the net take-home is £26,129 per year — £2,177.41 per month.

How much more does Band 5 earn with London weighting?

On top of the £34,592 basic, Inner London adds a £6,918 HCAS supplement (20%, clamped to the statutory floor/cap) and Outer London adds £5,189 (15%). That lifts the monthly take-home to £2,513 (Inner) and £2,420 (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 Intermediate?

At a pensionable gross of £34,592, an NHS Band 5 Intermediate 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 intermediate step.

Penny-accurate take-home for an NHS Band 5 on the intermediate step — basic pay of £34,592, 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): £34,592
Net monthly: £2,177
Effective rate: 24.5%

National

No HCAS supplement

Monthly take-home

£2,177

Annual take-home: £26,129
Pensionable gross: £34,592
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£2,420

Annual take-home: £29,043
Pensionable gross: £39,781
HCAS supplement: +£5,189

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£2,513

Annual take-home: £30,153
Pensionable gross: £41,510
HCAS supplement: +£6,918

Deduction stack · NHS Band 5 Intermediate

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	£34,592	£39,781	£41,510
HCAS supplement	£0	£5,189	£6,918
NHS pension	£2,871	£3,899	£4,068
Income tax (PAYE)	£3,830	£4,662	£4,974
National Insurance	£1,762	£2,177	£2,315
Annual take-home	£26,129	£29,043	£30,153
Monthly take-home	£2,177	£2,420	£2,513

Reference · 2026/27 FROZEN

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

Basic salary £34,592
NHS pension tier Tier 3 · 8.3%
Pension contribution £2,871
Inner London HCAS £6,918
Outer London HCAS £5,189
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.