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

An NHS Band 8b on the intermediate step has a basic salary of £70,896. After the Tier 6 · 12.5% NHS pension contribution (£8,862), £12,246 PAYE income tax and £3,429 Class 1 National Insurance, the net take-home is £46,360 per year — £3,863.32 per month.

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

On top of the £70,896 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 £4,231 (Inner) and £4,122 (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 Intermediate?

At a pensionable gross of £70,896, an NHS Band 8b Intermediate falls in Tier 6 · 12.5%. 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 intermediate step.

Penny-accurate take-home for an NHS Band 8b on the intermediate step — basic pay of £70,896, the cliff-edge Tier 6 · 12.5% 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): £70,896
Net monthly: £3,863
Effective rate: 34.6%

National

No HCAS supplement

Monthly take-home

£3,863

Annual take-home: £46,360
Pensionable gross: £70,896
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£4,122

Annual take-home: £49,459
Pensionable gross: £77,033
HCAS supplement: +£6,137

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£4,231

Annual take-home: £50,777
Pensionable gross: £79,642
HCAS supplement: +£8,746

Deduction stack · NHS Band 8b 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	£70,896	£77,033	£79,642
HCAS supplement	£0	£6,137	£8,746
NHS pension	£8,862	£9,629	£9,955
Income tax (PAYE)	£12,246	£14,394	£15,307
National Insurance	£3,429	£3,551	£3,603
Annual take-home	£46,360	£49,459	£50,777
Monthly take-home	£3,863	£4,122	£4,231

Reference · 2026/27 FROZEN

The Tier 6 · 12.5% NHS pension and HMRC thresholds driving the national column above.

Basic salary £70,896
NHS pension tier Tier 6 · 12.5%
Pension contribution £8,862
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.