Band 5 Pay Calculator - England 2026/27
Take-Home Pay After Tax, NI, Pension, and Student Loans.
| Payments | Amount |
|---|---|
| Basic Pay | £0 |
| Deductions | Amount |
|---|---|
| PAYE Tax | £0 |
| National Insurance | £0 |
| NHS Pension | £0 |
In simple terms
Adjust the settings on the left to see a plain English summary of your pay.
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 roles commonly include Registered Nurse, Midwife, Paramedic, Physiotherapist, Occupational Therapist. For 2026/27 in England, this band pays £32,073 to £39,043 basic across 3 pay points before tax, National Insurance, pension, student loans, or unsocial enhancements.
England uses standard UK income tax bands for PAYE. Staff in designated London zones may also receive High Cost Area Supplements (HCAS). Use the calculator above to set contracted hours, shifts, and deductions for an estimated monthly and annual take-home figure.
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. Use the calculator on this page with your contracted hours and typical night or bank holiday shifts for an estimated monthly and annual net figure.
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.