What is the take-home pay for an NHS Band 9 Entry in 2026/27?

An NHS Band 9 on the entry step has a basic salary of £112,782. After the Tier 6 · 12.5% NHS pension contribution (£14,098), £26,906 PAYE income tax and £4,266 Class 1 National Insurance, the net take-home is £67,512 per year — £5,626.03 per month.

How much more does Band 9 earn with London weighting?

On top of the £112,782 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 £5,888 (Inner) and £5,817 (Outer) respectively — though a larger HCAS can push pensionable pay into a higher cliff-edge pension tier.

Which NHS pension tier applies to Band 9 Entry?

At a pensionable gross of £112,782, an NHS Band 9 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 9 entry step.

Penny-accurate take-home for an NHS Band 9 on the entry step — basic pay of £112,782, 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): £112,782
Net monthly: £5,626
Effective rate: 40.1%

National

No HCAS supplement

Monthly take-home

£5,626

Annual take-home: £67,512
Pensionable gross: £112,782
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£5,817

Annual take-home: £69,801
Pensionable gross: £118,919
HCAS supplement: +£6,137

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£5,888

Annual take-home: £70,662
Pensionable gross: £121,528
HCAS supplement: +£8,746

Deduction stack · NHS Band 9 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	£112,782	£118,919	£121,528
HCAS supplement	£0	£6,137	£8,746
NHS pension	£14,098	£14,865	£15,191
Income tax (PAYE)	£26,906	£29,864	£31,234
National Insurance	£4,266	£4,389	£4,441
Annual take-home	£67,512	£69,801	£70,662
Monthly take-home	£5,626	£5,817	£5,888

Reference · 2026/27 FROZEN

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

Basic salary £112,782
NHS pension tier Tier 6 · 12.5%
Pension contribution £14,098
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.