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

An NHS Band 8d on the entry step has a basic salary of £94,356. After the Tier 6 · 12.5% NHS pension contribution (£11,795), £20,457 PAYE income tax and £3,898 Class 1 National Insurance, the net take-home is £58,207 per year — £4,850.60 per month.

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

On top of the £94,356 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 £5,219 (Inner) and £5,109 (Outer) respectively — though a larger HCAS can push pensionable pay into a higher cliff-edge pension tier.

Which NHS pension tier applies to Band 8d Entry?

At a pensionable gross of £94,356, an NHS Band 8d 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 8d entry step.

Penny-accurate take-home for an NHS Band 8d on the entry step — basic pay of £94,356, 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): £94,356
Net monthly: £4,851
Effective rate: 38.3%

National

No HCAS supplement

Monthly take-home

£4,851

Annual take-home: £58,207
Pensionable gross: £94,356
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£5,109

Annual take-home: £61,306
Pensionable gross: £100,493
HCAS supplement: +£6,137

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£5,219

Annual take-home: £62,624
Pensionable gross: £103,102
HCAS supplement: +£8,746

Deduction stack · NHS Band 8d 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	£94,356	£100,493	£103,102
HCAS supplement	£0	£6,137	£8,746
NHS pension	£11,795	£12,562	£12,888
Income tax (PAYE)	£20,457	£22,605	£23,518
National Insurance	£3,898	£4,020	£4,073
Annual take-home	£58,207	£61,306	£62,624
Monthly take-home	£4,851	£5,109	£5,219

Reference · 2026/27 FROZEN

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

Basic salary £94,356
NHS pension tier Tier 6 · 12.5%
Pension contribution £11,795
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.