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

An NHS Band 8d on the intermediate step has a basic salary of £100,140. After the Tier 6 · 12.5% NHS pension contribution (£12,518), £22,481 PAYE income tax and £4,013 Class 1 National Insurance, the net take-home is £61,128 per year — £5,094.01 per month.

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

On top of the £100,140 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 £5,462 (Inner) and £5,352 (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 Intermediate?

At a pensionable gross of £100,140, an NHS Band 8d 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 8d intermediate step.

Penny-accurate take-home for an NHS Band 8d on the intermediate step — basic pay of £100,140, 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): £100,140
Net monthly: £5,094
Effective rate: 39.0%

National

No HCAS supplement

Monthly take-home

£5,094

Annual take-home: £61,128
Pensionable gross: £100,140
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£5,352

Annual take-home: £64,227
Pensionable gross: £106,277
HCAS supplement: +£6,137

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£5,462

Annual take-home: £65,545
Pensionable gross: £108,886
HCAS supplement: +£8,746

Deduction stack · NHS Band 8d 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	£100,140	£106,277	£108,886
HCAS supplement	£0	£6,137	£8,746
NHS pension	£12,518	£13,285	£13,611
Income tax (PAYE)	£22,481	£24,629	£25,542
National Insurance	£4,013	£4,136	£4,188
Annual take-home	£61,128	£64,227	£65,545
Monthly take-home	£5,094	£5,352	£5,462

Reference · 2026/27 FROZEN

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

Basic salary £100,140
NHS pension tier Tier 6 · 12.5%
Pension contribution £12,518
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.