What is the take-home pay for an NHS Band 7 Entry in 2026/27?

An NHS Band 7 on the entry step has a basic salary of £49,387. After the Tier 4 · 9.8% NHS pension contribution (£4,840), £6,395 PAYE income tax and £2,945 Class 1 National Insurance, the net take-home is £35,206 per year — £2,933.86 per month.

How much more does Band 7 earn with London weighting?

On top of the £49,387 basic, Inner London adds a £8,746 HCAS supplement (20%, clamped to the statutory floor/cap) and Outer London adds £6,137 (15%). That lifts the monthly take-home to £3,379 (Inner) and £3,255 (Outer) respectively — though a larger HCAS can push pensionable pay into a higher cliff-edge pension tier.

Which NHS pension tier applies to Band 7 Entry?

At a pensionable gross of £49,387, an NHS Band 7 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 7 entry step.

Penny-accurate take-home for an NHS Band 7 on the entry step — basic pay of £49,387, 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): £49,387
Net monthly: £2,934
Effective rate: 28.7%

National

No HCAS supplement

Monthly take-home

£2,934

Annual take-home: £35,206
Pensionable gross: £49,387
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£3,255

Annual take-home: £39,059
Pensionable gross: £55,524
HCAS supplement: +£6,137

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£3,379

Annual take-home: £40,542
Pensionable gross: £58,133
HCAS supplement: +£8,746

Deduction stack · NHS Band 7 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	£49,387	£55,524	£58,133
HCAS supplement	£0	£6,137	£8,746
NHS pension	£4,840	£5,941	£6,220
Income tax (PAYE)	£6,395	£7,403	£8,197
National Insurance	£2,945	£3,121	£3,173
Annual take-home	£35,206	£39,059	£40,542
Monthly take-home	£2,934	£3,255	£3,379

Reference · 2026/27 FROZEN

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

Basic salary £49,387
NHS pension tier Tier 4 · 9.8%
Pension contribution £4,840
Inner London HCAS £8,746
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.