Band 5 Pay Calculator - England 2026/27
Take-Home Pay After Tax, NI, Pension, and Student Loans.
| Payments | Amount |
|---|---|
| Basic Pay 162.9 hrs at £16.40/hr | £2,673 |
| Deductions | Amount |
|---|---|
| PAYE Tax | £281 |
| National Insurance | £130 |
| NHS Pension 8.3% Tier 8.3% of £2,673 pensionable pay | £222 |
In simple terms
As a Band 5 in England on 37.5 hours a week, your basic hourly rate is £16.40. After tax, NI, and NHS pension, you'd take home roughly £2,040 a month, or £24,483 over the year.
Last updated based on the 2026/27 NHS England Pay Award.
Estimates only. Your payslip may differ depending on tax code, trust payroll, and how unsocial hours are recorded.
About Band 5 pay in England
Band 5 in England usually covers roles such as Registered Nurse, Midwife, Paramedic, Physiotherapist, Occupational Therapist.
Basic pay for 2026/27 runs from £32,073 to £39,043 across 3 points:
- Entry (< 2 years) — £32,073
- Intermediate (2 to 4 years) — £34,592
- Top (4+ years) — £39,043
Same assumptions — 37.5 hours, tax code 1257L, pension on, no student loan, no nights or bank holidays — give about £2,040 a month at entry, and about £2,381 a month at the top of the band. That is before London weighting or shift enhancements, if those apply to you.
England uses standard UK income tax bands for PAYE. Staff in designated London zones may also receive High Cost Area Supplements (HCAS).
If you work in a London High Cost Area, choose Inner, Outer, or Fringe HCAS in the form. Read the London HCAS guide for zone rates and caps.
Also see the Band 5 take-home guide and the unsocial hours explainer.
Frequently asked questions
What is the Band 5 basic salary in England for 2026/27?
Under the 2026/27 Agenda for Change pay scale in England, Band 5 basic annual pay ranges from £32,073 to £39,043 depending on pay point and length of service. Figures are gross basic salary before tax, pension, and enhancements.
What jobs are typically paid at Band 5 in the NHS?
Registered Nurse, Midwife, Paramedic, Physiotherapist, Occupational Therapist
How much is Band 5 take-home pay after tax in England?
Take-home pay depends on your pay point, tax code, NHS pension tier, student loan plan, and any unsocial hours. UK income tax and National Insurance rates apply. On a full-time 37.5-hour contract with tax code 1257L, NHS pension on, and no student loan or unsocial hours, entry is about £2,040 a month (£24,483 a year) and top of band about £2,381 a month (£28,570 a year). Change the settings above if your hours or deductions differ.
Does Band 5 receive unsocial hours enhancements in the NHS?
Yes. Under Section 2 of the NHS Terms and Conditions of Service, eligible staff receive percentage uplifts for night, Saturday, Sunday, and bank holiday work based on their band. Enter your typical shift counts in the calculator to see how enhancements affect gross and net pay.