Question 1

How is my NHS pension contribution calculated?

Accepted Answer

Your NHS pension contribution is calculated as a percentage of your pensionable pay. The exact percentage is based on a tiered system where higher earners contribute a higher percentage. This calculator automatically determines the correct tier and rate for you based on the 2025/2026 pension contribution rules.

Question 2

Does this calculator work for Scotland, Wales, and Northern Ireland?

Accepted Answer

This calculator uses the Agenda for Change (AfC) pay scales for England. The scales for Wales and Northern Ireland are very similar, so this will provide a close estimate. Pay scales in Scotland are different and are not currently supported.

Question 3

Does this calculator account for London weighting (HCAS)?

Accepted Answer

Yes. This calculator fully accounts for the High Cost Area Supplement (HCAS), also known as London Weighting. Simply select your location (Inner London, Outer London, or Fringe) from the 'London Weighting' dropdown, and the tool will automatically add the correct supplement to your salary before calculating your take-home pay.

NHS Pay Calculator (Agenda for Change)

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