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

An NHS Band 7 on the intermediate step has a basic salary of £51,932. After the Tier 4 · 9.8% NHS pension contribution (£5,089), £6,855 PAYE income tax and £3,049 Class 1 National Insurance, the net take-home is £36,939 per year — £3,078.24 per month.

How much more does Band 7 earn with London weighting?

On top of the £51,932 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 £3,488 (Inner) and £3,376 (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 Intermediate?

At a pensionable gross of £51,932, an NHS Band 7 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 7 intermediate step.

Penny-accurate take-home for an NHS Band 7 on the intermediate step — basic pay of £51,932, 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): £51,932
Net monthly: £3,078
Effective rate: 28.9%

National

No HCAS supplement

Monthly take-home

£3,078

Annual take-home: £36,939
Pensionable gross: £51,932
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£3,376

Annual take-home: £40,509
Pensionable gross: £58,069
HCAS supplement: +£6,137

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£3,488

Annual take-home: £41,855
Pensionable gross: £60,678
HCAS supplement: +£8,746

Deduction stack · NHS Band 7 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	£51,932	£58,069	£60,678
HCAS supplement	£0	£6,137	£8,746
NHS pension	£5,089	£6,213	£6,493
Income tax (PAYE)	£6,855	£8,174	£9,106
National Insurance	£3,049	£3,172	£3,224
Annual take-home	£36,939	£40,509	£41,855
Monthly take-home	£3,078	£3,376	£3,488

Reference · 2026/27 FROZEN

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

Basic salary £51,932
NHS pension tier Tier 4 · 9.8%
Pension contribution £5,089
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.