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

An NHS Band 9 on the top step has a basic salary of £129,783. After the Tier 6 · 12.5% NHS pension contribution (£16,223), £35,568 PAYE income tax and £4,606 Class 1 National Insurance, the net take-home is £73,386 per year — £6,115.48 per month.

How much more does Band 9 earn with London weighting?

On top of the £129,783 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 £6,356 (Inner) and £6,284 (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 Top?

At a pensionable gross of £129,783, an NHS Band 9 Top 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 top step.

Penny-accurate take-home for an NHS Band 9 on the top step — basic pay of £129,783, 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): £129,783
Net monthly: £6,115
Effective rate: 43.5%

National

No HCAS supplement

Monthly take-home

£6,115

Annual take-home: £73,386
Pensionable gross: £129,783
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£6,284

Annual take-home: £75,411
Pensionable gross: £135,920
HCAS supplement: +£6,137

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£6,356

Annual take-home: £76,272
Pensionable gross: £138,529
HCAS supplement: +£8,746

Deduction stack · NHS Band 9 Top

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	£129,783	£135,920	£138,529
HCAS supplement	£0	£6,137	£8,746
NHS pension	£16,223	£16,990	£17,316
Income tax (PAYE)	£35,568	£38,790	£40,160
National Insurance	£4,606	£4,729	£4,781
Annual take-home	£73,386	£75,411	£76,272
Monthly take-home	£6,115	£6,284	£6,356

Reference · 2026/27 FROZEN

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

Basic salary £129,783
NHS pension tier Tier 6 · 12.5%
Pension contribution £16,223
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.