Free NHS Tools

Estimate your monthly and weekly take-home pay from a gross NHS salary after income tax, National Insurance and NHS pension contributions.

Convert any annual NHS salary into an hourly, daily, weekly or monthly rate — and back again. Accounts for your actual contracted hours.

Calculate your London weighting — High Cost Area Supplement for Inner London, Outer London and Fringe zones.

Check your NHS Pension Scheme contribution tier (5.2%–12.5%), monthly cost, employer contribution and projected CARE pension.

Work out Saturday, night, Sunday and bank holiday enhancement pay under Agenda for Change — +30% and +60% uplifts.

Estimate student loan deductions from NHS pay for Plan 1, 2, 4, 5 and postgraduate loans.

Decode the tax code on your NHS payslip — Personal Allowance, BR/D0 second-job codes, K codes and emergency W1/M1.

See the real cost of NHS salary sacrifice schemes — lease cars, cycle to work — after tax, NI and pension savings.

Compare AfC pay awards against inflation since 2022 — see whether your NHS pay has kept up with the cost of living.

Compare NHS bank/agency hourly rates against substantive pay including pension, sick pay and paid leave value.

Interactive guide to Agenda for Change pay bands 2–9 — entry salary, top of band, typical roles and years to progress.

Calculate your full Agenda for Change holiday entitlement including bank holidays, pro-rated for part-time hours and service length.

Work out your Occupational Sick Pay entitlement — months of full and half pay based on your length of NHS service.

Estimate NHS Occupational Maternity Pay vs SMP — full pay, half pay and unpaid weeks across 52 weeks.

Check where you sit on your Agenda for Change band — current spine point, next pay step and when you get it.

Calculate NHS mileage claims — car, motorcycle and cycle rates with passenger allowance under AfC Annex 14.

Estimate take-home pay for agency workers paid through an umbrella company — after margin, income tax, NI and 12.07% holiday pay.

Price an agency or bank shift with AfC unsocial hours enhancements — weekday nights, Saturdays, Sundays and bank holidays.

Work out your true agency margin — charge rate vs pay rate after employer NI and pension costs.

Calculate 12.07% holiday pay accrual for bank and agency workers — weekly, monthly and annual amounts.

Assess whether an NHS agency assignment is inside or outside IR35 — substitution, control, mutuality and financial risk.

Calculate the true cost of an NHS post — salary plus employer NI, 23.7% pension and apprenticeship levy.

Compare the cost of agency recruitment against internal hiring — fees, HR time, advertising and DBS.

Calculate the transfer fee when converting an agency worker to a permanent NHS post — including rebates.

Estimate the annual cost of staff turnover — recruitment, productivity loss and temporary cover per leaver.

Calculate the cost of an unfilled NHS post — bank/agency cover plus productivity loss while it stays vacant.

Compare the annual cost of covering shifts with NHS bank staff against agency workers at higher rates.