NHS Band 5 Pay — Take-Home Breakdown
Newly qualified nurses, midwives, therapists. Salary range: £31,049–£37,796 (3 pay points).
2025/26 Take-Home Breakdown
Take-home pay for each Band 5 pay point, assuming England tax rates, standard tax code (1257L), NHS Pension Scheme contributions, and no student loan.
| Year 1 | Year 2 | Year 4+ | |
|---|---|---|---|
| Gross | £31,049 | £33,487 | £37,796 |
| Pension tier | 8.3% | 8.3% | 9.8% |
| Pension | £2,577 | £2,779 | £3,704 |
| Taxable income | £28,472 | £30,708 | £34,092 |
| Income tax | £3,180 | £3,628 | £4,304 |
| National Insurance | £1,478 | £1,673 | £2,018 |
| Monthly take-home | £1,984 | £2,117 | £2,314 |
| Annual take-home | £23,813 | £25,407 | £27,770 |
Notes
- Figures use HMRC 2025/26 income tax and NI rates for England, Wales, and Northern Ireland.
- NHS pension tier boundaries are from the 2025/26 scheme year.
- Scotland has different income tax bands — Scottish take-home will differ.
- Student loan repayments are not included. Use the calculator for a personalised breakdown.
Related
- Band 4 Pay — £27,485–£30,162
- Band 6 Pay — £38,682–£46,580
- NHS Pension Scheme — contribution tiers, NET pay, and how pension affects take-home
- NHS Take-Home Pay Calculator — personalised breakdown with student loans, salary sacrifice, and Scotland
- How UK Take-Home Pay Is Calculated — the PAYE deduction pipeline step by step
- All Resources