Estimate monthly take-home pay after Welsh Income Tax, employee National Insurance, NHS Pension Scheme contributions, student loans and other regular deductions.
£0
after estimated tax, NI, pension and selected deductions
| Pay or deduction | Monthly | Annual |
|---|---|---|
| Gross pay | £0 | £0 |
| Welsh Income Tax | £0 | £0 |
| Employee National Insurance | £0 | £0 |
| NHS pension contribution | £0 | £0 |
| Student loan | £0 | £0 |
| Postgraduate loan | £0 | £0 |
| Other deductions | £0 | £0 |
| Total deductions | £0 | £0 |
| Estimated take-home pay | £0 | £0 |
Rates, pay scales and calculation notes
Welsh Income Tax: standard Personal Allowance £12,570; 20% basic rate, 40% higher rate and 45% additional rate for 2026/27. The calculator applies the £1 reduction in Personal Allowance for each £2 of adjusted income above £100,000 when selected.
Employee National Insurance: standard category A uses 8% between £1,048 and £4,189 per month, then 2% above £4,189. Category J uses 2% above £1,048 per month. Category C is set to zero.
NHS pension member contribution tiers from 1 April 2026:
- Up to £13,259: 5.2%
- £13,260 to £28,854: 6.5%
- £28,855 to £35,155: 8.3%
- £35,156 to £52,778: 9.8%
- £52,779 to £67,668: 10.7%
- £67,669 and above: 12.5%
Student loan thresholds: Plan 1 £26,900; Plan 2 £29,385; Plan 4 £33,795; Plan 5 £25,000, repaid at 9% above the applicable threshold. The postgraduate loan threshold is £21,000, repaid at 6%.
Salary data: Agenda for Change values include the corrected Band 3 entry salary. Resident doctor values use the 2026 Wales contract, which transitions from 1 August 2026. The calculator treats the selected salary as a current annualised rate and does not automatically blend pre- and post-transition salaries.
Official sources:
How to use the NHS Wales Salary Calculator 2026/27
This free NHS Wales salary calculator estimates how much of your NHS pay you may take home each month during the 2026/27 tax year. It is designed for NHS staff comparing a new job, checking a pay progression point, planning a change in contracted hours or trying to understand the deductions shown on an NHS payslip. The result includes estimated Welsh Income Tax, employee National Insurance, NHS pension contributions, student loan repayments and any additional monthly deductions you enter.
- Choose your pay group.
Select Agenda for Change, resident doctor, consultant or custom salary. - Select your band or grade.
Choose the correct NHS Wales pay point for 2026/27. - Enter weekly hours.
Use 37.5 hours for most full-time Agenda for Change roles or enter part-time hours. - Add your deductions.
Select pension membership, student loan plan and other regular deductions. - Review take-home pay.
See estimated monthly, annual, weekly and hourly net pay.
NHS take-home pay after tax in Wales
An annual NHS salary is not the same as the amount paid into your bank account. Your NHS monthly salary after tax depends on your gross basic pay, tax-free Personal Allowance, Welsh Income Tax, National Insurance category, NHS pension tier and loan repayments. This calculator brings those deductions together so you can estimate your net salary without calculating each figure separately.
It can be used as a Welsh salary calculator for NHS employees across Cardiff, Swansea, Newport, Wrexham, Bangor and the rest of Wales. The calculation uses Wales-specific NHS salary scales while applying the relevant PAYE deductions for the 2026/27 tax year.
NHS Wales pay bands 2026/27
The calculator covers NHS Wales Agenda for Change pay scales 2026/27 from Band 1 to Band 9. This includes common searches such as NHS Band 2 pay in Wales, Band 3 healthcare assistant salary, NHS Band 5 take-home pay in Wales, Band 6 salary after tax, Band 7 monthly pay and senior Band 8 or Band 9 earnings.
Agenda for Change bands are used for many nurses, midwives, paramedics, healthcare assistants, physiotherapists, occupational therapists, radiographers, biomedical scientists, pharmacists, administrative staff, managers and other NHS professionals. Select the relevant pay point because staff at the same band can receive different salaries depending on pay progression.
Part-time NHS salary calculator for Wales
Part-time NHS pay is normally calculated on a pro-rata basis. Enter your actual contracted hours to use this as a part-time NHS salary calculator. For example, changing a Band 5 post from 37.5 hours to 30 hours will reduce gross basic salary before tax, National Insurance and pension contributions are estimated.
This is useful when comparing full-time and part-time NHS jobs, returning from maternity leave, considering flexible working or reducing weekly hours. Extra pensionable and non-pensionable income can also be entered separately to produce a more personalised estimate.
NHS pension and student loan deductions
NHS pension contributions can make a noticeable difference to monthly take-home pay. The automatic option selects an estimated 2026/27 member contribution tier based on pensionable earnings. You can also calculate pay after opting out or enter a custom pension percentage where appropriate.
The calculator supports Student Loan Plans 1, 2, 4 and 5, plus postgraduate loans. This helps graduates estimate NHS salary after tax, pension and student loan, which is often more useful than looking at gross pay alone.
NHS doctor salary calculator for Wales
Medical staff can select resident doctor or consultant pay. The resident doctor section includes foundation and registrar grades under the 2026 Wales contract, while the consultant section includes the main NHS Wales consultant pay points. Enter additional pensionable or non-pensionable earnings where you want to model allowances or other pay separately.
Actual medical payslips can be more complicated because of work schedules, additional hours, on-call availability, weekend frequency, transitional arrangements and local payroll treatment. The result should therefore be treated as a planning estimate rather than an exact payslip forecast.
Why your NHS payslip may be different
Your real NHS Wales take-home pay can differ because PAYE is cumulative and payroll may include arrears, enhancements, overtime, salary sacrifice, professional fees, parking, union subscriptions, benefits in kind or a non-standard tax code. A first payslip in a new job may also be affected by emergency tax or incomplete payroll information.
Use the calculator to understand the likely direction and size of deductions, then compare the estimate with your official payslip. HMRC, your employer's payroll team and the NHS Pension Scheme remain the appropriate sources for personal tax or pension advice.
NHS Wales salary calculator questions
How much will I take home each month working for NHS Wales?
Select your band, pay point and weekly hours, then add your pension and student loan details. The result shows estimated monthly take-home pay after Welsh Income Tax, National Insurance and your selected deductions.
Does this calculator include all NHS Wales salary bands?
It includes Agenda for Change Bands 1 to 9, including available entry, intermediate and top pay points. It also includes resident doctor grades, consultant pay points and a custom salary option.
Can nurses use this as an NHS Wales nurse salary calculator?
Yes. Choose the relevant Agenda for Change band and pay point. Newly qualified nurses commonly start at Band 5, while experienced or specialist nursing roles may be paid at Band 6, Band 7 or a higher band.
Does it calculate NHS pension deductions automatically?
Yes. The automatic pension setting applies an estimated NHS Pension Scheme contribution rate based on pensionable annual pay. You can also choose no pension deduction or enter a custom rate.
Can I enter overtime, enhancements or other NHS payments?
Yes. Enter regular pensionable additions in the pensionable extras box and other taxable pay in the non-pensionable extras box. Because the tax treatment of specific payments can vary, check your payslip or payroll guidance when precision is important.
Is this an official NHS Wales or HMRC calculator?
No. It is an independent estimation tool. It uses published pay scales and tax rules, but it cannot reproduce every personal tax code, payroll adjustment or pension circumstance.
Content reviewed for the 2026/27 tax year and NHS Wales pay scales. Last updated August 2026.