Band 9 is the top of the Agenda for Change structure — podiatric consultants in surgery, directors of estates and facilities and other executive-level posts. Very senior managers and doctors sit outside Agenda for Change entirely. The three spine points below are the published April 2026 national rates for England.
If your gross pay is £119,583 a year, after income tax, National Insurance and this pension contribution your take-home is about £70,020 a year — that’s £5,835 a month, £1,347 a week.
| Year | Month | Week | |
|---|---|---|---|
| Gross pay | £119,583 | £9,965 | £2,300 |
| Income tax | −£30,213 | −£2,518 | −£581 |
| National Insurance | −£4,402 | −£367 | −£85 |
| Pension contribution | −£14,948 | −£1,246 | −£287 |
| Take-home pay | £70,020 | £5,835 | £1,347 |
Effective deduction rate: 41% of gross, leaving 59p in every pound. Marginal rate: 67%, so an extra £100 pay rise or overtime puts about £33 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 £119,583 the 2026/27 member rate is 12.5%, 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 £14,948 contribution above cuts your tax bill by £8,969, and its real cost to your take-home is £5,979 a year. Calculators that tax your whole salary and then subtract the pension understate your take-home by that £8,969.
At this pay point your adjusted net income after the pension is £104,635, inside the £100,000–£125,140 band where the Personal Allowance is withdrawn at £1 for every £2 — an effective 60% marginal rate. Paying more into the pension is unusually efficient in this range: see our pension tax relief calculator and the £100,000 tax trap guide.
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 9 NHS pay points
Jump straight to another point:
Band 9 – Point 1 · Band 9 – Point 3
Other NHS bands
Band 2 NHS · Band 3 NHS · Band 4 NHS · Band 5 nurse · Band 6 nurse · Band 7 nurse · Band 8a NHS · Band 8b NHS · Band 8c NHS · Band 8d NHS
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