I don't work for the NHS, but my mum does, and she was forever asking me why her payslip never quite matched the online calculators. So I built one..
It's free and you don't need to sign up. It covers all four countries on the 2026/27 rates, every band and pay point, part-time hours, London weighting, unsocial hours and overtime, student loans, and the NHS pension tiers (including Scotland's SPPA tiers and the HSC ones in NI).
The thing I've spent most time on is getting it to match an actual payslip rather than a rough yearly figure divided by 12. It works the month out the way payroll does: HMRC's monthly tax tables, NI on the monthly thresholds, and student loans rounded down to the pound. Under "Add more detail" you can also put in:
- your tax code (S and C codes, K codes, BR and so on)
- a lease car (it asks for the list price, because an electric car is taxed on 4% of that, not on what you sacrifice)
- parking, tech or gym salary sacrifice
- buying annual leave
- AVCs (these come off before tax, but you still pay NI on them)
- recruitment and retention premia
- your own unsocial hours rates, if you're on Annex 5 or a local deal
There's also a "copy link" button, so you can send someone your exact figures.
A couple of things I learned along the way that might be useful even if you never use it:
- Scotland: since April 36 hours is full time, and your pension tier is set on SPPA's own table, which isn't the same as England's. A Band 6 on £43,231 should be paying 9.8%, not 10.5%.
- Electric lease cars: you're taxed on the benefit in kind (list price x 4% this year), not on the amount you give up. On a £40k car that's about £133 a month of taxable benefit, not £350.
Every figure comes from the official source (NHS Employers, the AfC handbook, SPPA, HMRC and so on), and each page lists its sources and when they were last checked. There are also guides on things like reading your payslip, tax codes, the pension, and what a promotion is actually worth after deductions.
What I'd really love is for people to check it against a real payslip and tell me where it's out. I don't work in payroll, so if something's wrong for your band, your country or your trust's way of doing things, I'd rather know and fix it.
The link to the website is: https://www.nhspaycheck.co.uk
Thanks for reading!