NHS Pension Calculator
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Your Details
Your Take-home Pay
£0
per year
From a gross of £0
- NHS Pension £0
- Income Tax £0
- National Insurance £0
- Student Loan £0
Take-home
£0
What the NHS Pension Calculator Shows You
Take home pay
The figure that actually hits your bank, shown yearly, monthly, and weekly. Switch between them with one click
National Insurance
Class 1 employee NI at the live 8% and 2% rates. No rounding, no shortcuts.
Pension Contribution
Your exact tier rate (5.2% to 12.5%) and the annual £ amount, taken straight from the 2024/25 NHSBSA tables
Student Loan
Plan 1, 2, 4, 5 or Postgraduate. The right threshold and rate are applied automatically.
Income Tax
Tax worked out against your code and the current 2024/25 bands, including the Personal Allowance taper above £100,000.
Part-Time Pro-Rata
Pay, pension tier, tax — every figure scaled to the hours you actually work.
How Our Online NHS Pension Calculator Works
Enter your details once and the calculator works out your real take-home pay against the current HMRC 2026/27 tax rates, NHS Pension Scheme contribution tiers, and Agenda for Change pay scales.
01
Your Band
Pick your Agenda for Change band, or type your gross salary. Bands 2 to 9 carry the live 2026/27 pay points.
02
Your Setup
Add your tax code, pension scheme, student loan plan, and hours. Part-time or full-time, every figure scales to you.
03
Live Results
See your real take-home the second you type. Income tax, National Insurance, pension tier, and student loan, each broken out.
04
Plan Ahead
Flip between yearly, monthly, and weekly views. Budget with confidence, weigh up a band move, or check a job offer before you say yes.
Answers to your most important questions.
Enter your pensionable pay, scheme section, years of membership, and planned retirement age. The calculator applies the correct accrual rate and returns your projected annual pension and tax-free lump sum. Adjust the inputs to compare retirement ages, then confirm the figures with an official NHSBSA statement.
It depends on your scheme section. The 1995 Section pays 1/80th of final salary each year plus an automatic lump sum; the 2008 Section pays 1/60th; and the 2015 CARE scheme builds 1/54th of each year's pensionable pay, revalued annually. Since 1 April 2022, all active members build new benefits in the 2015 Scheme
The official source is the NHS Business Services Authority (NHSBSA) for England and Wales. Your exact figures appear on your Total Reward Statement, accessed through the My NHS Pension portal, and you can request a formal estimate directly. Scotland is administered by the SPPA, and Northern Ireland by HSC.
The most accurate figures come from NHSBSA itself, as its statements use your actual contribution record. Independent calculators give reliable estimates when they apply current 2026/27 rates and reflect your scheme details — always cross-check the result against your Total Reward Statement.
Your scheme section, pensionable pay, years of membership, and accrual rate form the foundation. Your retirement age, part-time hours, annual revaluation, and any decision to take a lump sum then shape the final figure.
There is no official NHS pension app. NHSBSA's tools are web-based — the My NHS Pension portal and your Total Reward Statement — and most third-party calculators are mobile-friendly websites. You can check everything from a browser, with nothing to download.
Yes. The official routes — your Annual Benefit Statement, the My NHS Pension portal, and NHSBSA's own calculators — are free, alongside many independent online tools. Free calculators are ideal for estimates; rely on NHSBSA for any binding figure.
Yes. Several free online calculators model NHS and wider public sector pensions, letting you test retirement ages, part-time patterns, and the McCloud comparison. They are independent estimates, so use them for planning and confirm the detail with NHSBSA or a regulated adviser.