What is the take-home pay for an NHS Band 6 Entry in 2026/27?

An NHS Band 6 on the entry step has a basic salary of £39,959. After the Tier 4 · 9.8% NHS pension contribution (£3,916), £4,695 PAYE income tax and £2,191 Class 1 National Insurance, the net take-home is £29,157 per year — £2,429.78 per month.

How much more does Band 6 earn with London weighting?

On top of the £39,959 basic, Inner London adds a £7,992 HCAS supplement (20%, clamped to the statutory floor/cap) and Outer London adds £5,994 (15%). That lifts the monthly take-home to £2,857 (Inner) and £2,750 (Outer) respectively — though a larger HCAS can push pensionable pay into a higher cliff-edge pension tier.

Which NHS pension tier applies to Band 6 Entry?

At a pensionable gross of £39,959, an NHS Band 6 Entry falls in Tier 4 · 9.8%. 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 6 entry step.

Penny-accurate take-home for an NHS Band 6 on the entry step — basic pay of £39,959, the cliff-edge Tier 4 · 9.8% 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): £39,959
Net monthly: £2,430
Effective rate: 27.0%

National

No HCAS supplement

Monthly take-home

£2,430

Annual take-home: £29,157
Pensionable gross: £39,959
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£2,750

Annual take-home: £33,003
Pensionable gross: £45,953
HCAS supplement: +£5,994

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£2,857

Annual take-home: £34,285
Pensionable gross: £47,951
HCAS supplement: +£7,992

Deduction stack · NHS Band 6 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	£39,959	£45,953	£47,951
HCAS supplement	£0	£5,994	£7,992
NHS pension	£3,916	£4,503	£4,699
Income tax (PAYE)	£4,695	£5,776	£6,136
National Insurance	£2,191	£2,671	£2,830
Annual take-home	£29,157	£33,003	£34,285
Monthly take-home	£2,430	£2,750	£2,857

Reference · 2026/27 FROZEN

The Tier 4 · 9.8% NHS pension and HMRC thresholds driving the national column above.

Basic salary £39,959
NHS pension tier Tier 4 · 9.8%
Pension contribution £3,916
Inner London HCAS £7,992
Outer London HCAS £5,994
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.