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

An NHS Band 6 on the intermediate step has a basic salary of £42,170. After the Tier 4 · 9.8% NHS pension contribution (£4,133), £5,093 PAYE income tax and £2,368 Class 1 National Insurance, the net take-home is £30,576 per year — £2,547.99 per month.

How much more does Band 6 earn with London weighting?

On top of the £42,170 basic, Inner London adds a £8,434 HCAS supplement (20%, clamped to the statutory floor/cap) and Outer London adds £6,137 (15%). That lifts the monthly take-home to £3,001 (Inner) and £2,876 (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 Intermediate?

At a pensionable gross of £42,170, an NHS Band 6 Intermediate 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 intermediate step.

Penny-accurate take-home for an NHS Band 6 on the intermediate step — basic pay of £42,170, 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): £42,170
Net monthly: £2,548
Effective rate: 27.5%

National

No HCAS supplement

Monthly take-home

£2,548

Annual take-home: £30,576
Pensionable gross: £42,170
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£2,876

Annual take-home: £34,513
Pensionable gross: £48,307
HCAS supplement: +£6,137

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£3,001

Annual take-home: £36,007
Pensionable gross: £50,604
HCAS supplement: +£8,434

Deduction stack · NHS Band 6 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	£42,170	£48,307	£50,604
HCAS supplement	£0	£6,137	£8,434
NHS pension	£4,133	£4,734	£4,959
Income tax (PAYE)	£5,093	£6,201	£6,615
National Insurance	£2,368	£2,859	£3,023
Annual take-home	£30,576	£34,513	£36,007
Monthly take-home	£2,548	£2,876	£3,001

Reference · 2026/27 FROZEN

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

Basic salary £42,170
NHS pension tier Tier 4 · 9.8%
Pension contribution £4,133
Inner London HCAS £8,434
Outer London HCAS £6,137
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.