What is the take-home pay for an NHS Band 8b Entry in 2026/27?

An NHS Band 8b on the entry step has a basic salary of £66,582. After the Tier 5 · 10.7% NHS pension contribution (£7,124), £11,215 PAYE income tax and £3,342 Class 1 National Insurance, the net take-home is £44,900 per year — £3,741.70 per month.

How much more does Band 8b earn with London weighting?

On top of the £66,582 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 £4,050 (Inner) and £3,940 (Outer) respectively — though a larger HCAS can push pensionable pay into a higher cliff-edge pension tier.

Which NHS pension tier applies to Band 8b Entry?

At a pensionable gross of £66,582, an NHS Band 8b Entry falls in Tier 5 · 10.7%. 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 8b entry step.

Penny-accurate take-home for an NHS Band 8b on the entry step — basic pay of £66,582, the cliff-edge Tier 5 · 10.7% 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): £66,582
Net monthly: £3,742
Effective rate: 32.6%

National

No HCAS supplement

Monthly take-home

£3,742

Annual take-home: £44,900
Pensionable gross: £66,582
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£3,940

Annual take-home: £47,280
Pensionable gross: £72,719
HCAS supplement: +£6,137

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£4,050

Annual take-home: £48,598
Pensionable gross: £75,328
HCAS supplement: +£8,746

Deduction stack · NHS Band 8b 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	£66,582	£72,719	£75,328
HCAS supplement	£0	£6,137	£8,746
NHS pension	£7,124	£9,090	£9,416
Income tax (PAYE)	£11,215	£12,884	£13,797
National Insurance	£3,342	£3,465	£3,517
Annual take-home	£44,900	£47,280	£48,598
Monthly take-home	£3,742	£3,940	£4,050

Reference · 2026/27 FROZEN

The Tier 5 · 10.7% NHS pension and HMRC thresholds driving the national column above.

Basic salary £66,582
NHS pension tier Tier 5 · 10.7%
Pension contribution £7,124
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.