Band 7 covers ward managers, advanced nurse practitioners, specialist physiotherapists and other senior clinicians. The three spine points below are the published April 2026 national rates for England. High-cost area supplements and unsocial hours are not included.
If your gross pay is £49,387 a year, after income tax, National Insurance and this pension contribution your take-home is about £35,206 a year — that’s £2,934 a month, £677 a week.
| Year | Month | Week | |
|---|---|---|---|
| Gross pay | £49,387 | £4,116 | £950 |
| Income tax | −£6,395 | −£533 | −£123 |
| National Insurance | −£2,945 | −£245 | −£57 |
| Pension contribution | −£4,840 | −£403 | −£93 |
| Take-home pay | £35,206 | £2,934 | £677 |
Effective deduction rate: 29% of gross, leaving 71p in every pound. Marginal rate: 36%, so an extra £100 pay rise or overtime puts about £64 in your pocket.
NHS Pension contributions are tiered by pay, and the tier applies to your whole salary rather than a slice of it. At £49,387 the 2026/27 member rate is 9.8%, which is what the table above deducts — most online calculators apply one flat rate to every band and get this wrong.
Your NHS Pension contribution is taken off your pay before income tax is worked out — what HMRC calls a net pay arrangement. Relief is automatic at your top rate and there is nothing to claim back. So the £4,840 contribution above cuts your tax bill by £968, and its real cost to your take-home is £3,872 a year. Calculators that tax your whole salary and then subtract the pension understate your take-home by that £968.
Figures based on the NHS Agenda for Change pay rates April 2026 and the NHS Pension member contribution tiers effective 1 April 2026. Actual take-home depends on your exact tax code, Scottish or Welsh rates, student loan plan, and whether you actually pay into the NHS Pension. Sources: Health Careers — Agenda for Change pay rates · NHS Employers — pension contribution tiers
Your actual take-home may differ because of your tax code, student loan, bonus, overtime or whether you opt out of this pension. Put your real numbers into our free salary calculator — nothing is recorded.
Band 7 Nurse pay points
Jump straight to another point:
Band 7 – Point 2 · Band 7 – Point 3
Other NHS bands
Band 2 NHS · Band 3 NHS · Band 4 NHS · Band 5 nurse · Band 6 nurse · Band 8a NHS · Band 8b NHS · Band 8c NHS · Band 8d NHS · Band 9 NHS
By profession: Paramedic · Midwife · Physiotherapist · Radiographer · Occupational therapist · Resident doctor — career-path take-home guides
In Scotland: NHS Scotland pays its own rates — see Band 7 take-home in Scotland
More take-home pages
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