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

An NHS Band 9 on the intermediate step has a basic salary of £119,583. After the Tier 6 · 12.5% NHS pension contribution (£14,948), £30,213 PAYE income tax and £4,402 Class 1 National Insurance, the net take-home is £70,020 per year — £5,834.98 per month.

How much more does Band 9 earn with London weighting?

On top of the £119,583 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 £6,076 (Inner) and £6,004 (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 Intermediate?

At a pensionable gross of £119,583, an NHS Band 9 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 9 intermediate step.

Penny-accurate take-home for an NHS Band 9 on the intermediate step — basic pay of £119,583, 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): £119,583
Net monthly: £5,835
Effective rate: 41.4%

National

No HCAS supplement

Monthly take-home

£5,835

Annual take-home: £70,020
Pensionable gross: £119,583
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£6,004

Annual take-home: £72,045
Pensionable gross: £125,720
HCAS supplement: +£6,137

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£6,076

Annual take-home: £72,906
Pensionable gross: £128,329
HCAS supplement: +£8,746

Deduction stack · NHS Band 9 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	£119,583	£125,720	£128,329
HCAS supplement	£0	£6,137	£8,746
NHS pension	£14,948	£15,715	£16,041
Income tax (PAYE)	£30,213	£33,435	£34,805
National Insurance	£4,402	£4,525	£4,577
Annual take-home	£70,020	£72,045	£72,906
Monthly take-home	£5,835	£6,004	£6,076

Reference · 2026/27 FROZEN

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

Basic salary £119,583
NHS pension tier Tier 6 · 12.5%
Pension contribution £14,948
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.