Calculate your Band 5 NHS net pay for 2026/27, including pension, tax, National Insurance (NI), student loan repayments, and unsocial hours enhancements. View a full annual, monthly, and weekly breakdown tailored specifically to Agenda for Change Band 5 NHS staff.
Effective Tax Rate: 0%
| Component | Annual Value |
|---|---|
| Base Salary | £0.00 |
| + London Weighting | +£0.00 |
| + Unsocial Hours | +£0.00 |
| + Allowances & Overtime | +£0.00 |
| Total Gross Salary | £0.00 |
| - NHS Pension | -£0.00 |
| - Income Tax ( PAYE ) | -£0.00 |
| - National Insurance | -£0.00 |
| - Student Loan | -£0.00 |
| - Salary Sacrifice | -£0.00 |
| + Work Expenses | +£0.00 |
| NET TAKE HOME | £0.00 |
Yes. This Band 5 calculator supports all UK student loan plans, including Plan 1, 2, 4, 5 and Postgraduate loans.
If you have more than one loan, the calculator applies each repayment threshold separately to ensure your Band 5 NHS take-home pay is accurate.
For most Band 5 NHS staff, staying in the NHS Pension Scheme is usually recommended.
The NHS Pension is a defined benefit scheme, meaning it provides guaranteed income in retirement based on your earnings and service.
Although contributions reduce monthly take-home pay, most Band 5 staff benefit significantly from long-term retirement security and employer contributions.
Band 5 unsocial hours pay is calculated based on hours worked outside standard weekday shifts, including nights, weekends, and bank holidays.
The result is added to your total Band 5 NHS gross salary.
Yes. Band 5 NHS salaries are pro-rata based on contracted weekly hours.
For example, working 18.75 hours instead of 37.5 hours will automatically reduce your Band 5 base pay and associated deductions.
Yes. This Band 5 calculator includes common NHS salary sacrifice schemes such as cycle to work, lease cars, and gym memberships.
These deductions reduce your taxable Band 5 income and therefore affect your take-home pay.