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

An NHS Band 8c on the entry step has a basic salary of £79,504. After the Tier 6 · 12.5% NHS pension contribution (£9,938), £15,258 PAYE income tax and £3,601 Class 1 National Insurance, the net take-home is £50,707 per year — £4,225.58 per month.

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

On top of the £79,504 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 £4,594 (Inner) and £4,484 (Outer) respectively — though a larger HCAS can push pensionable pay into a higher cliff-edge pension tier.

Which NHS pension tier applies to Band 8c Entry?

At a pensionable gross of £79,504, an NHS Band 8c Entry 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 8c entry step.

Penny-accurate take-home for an NHS Band 8c on the entry step — basic pay of £79,504, 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): £79,504
Net monthly: £4,226
Effective rate: 36.2%

National

No HCAS supplement

Monthly take-home

£4,226

Annual take-home: £50,707
Pensionable gross: £79,504
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£4,484

Annual take-home: £53,806
Pensionable gross: £85,641
HCAS supplement: +£6,137

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£4,594

Annual take-home: £55,124
Pensionable gross: £88,250
HCAS supplement: +£8,746

Deduction stack · NHS Band 8c 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	£79,504	£85,641	£88,250
HCAS supplement	£0	£6,137	£8,746
NHS pension	£9,938	£10,705	£11,031
Income tax (PAYE)	£15,258	£17,406	£18,320
National Insurance	£3,601	£3,723	£3,776
Annual take-home	£50,707	£53,806	£55,124
Monthly take-home	£4,226	£4,484	£4,594

Reference · 2026/27 FROZEN

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

Basic salary £79,504
NHS pension tier Tier 6 · 12.5%
Pension contribution £9,938
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.