NHS pay and pension, modelled properly.
The every day financial decisions you face as NHS staff — take-home pay, pension trade-offs, salary sacrifice, going part-time — modelled in one place, with every calculation sourced and dated.
Agenda for Change. 2015 NHS Pension Scheme. Updated for 2026/27.
Tailored for you.
Your band, your scheme, when you joined, when you plan to retire. So the numbers you see are about you, not someone like you.
Track where the pounds go.
Tax, NI, pension contribution, unsocial hours. All of it broken out, line by line — including what this scenario means for your pension when you retire. Instead of just accepting the figures on your total rewards statement (TRS) and making plans around them, you can now adjust your pension, lump sum, and retirement age to fit your life — now and in the future.
Track where the pounds go.
Tax, NI, pension contribution, unsocial hours. All of it broken out, line by line — including what this scenario means for your pension when you retire. Instead of just accepting the figures on your total rewards statement (TRS) and making plans around them, you can now adjust your pension, lump sum, and retirement age to fit your life — now and in the future.
Hold the options side by side, not in your head.
See the financial impact of the decision you’re actually making — drop to four days, or stay at five, take a salary sacrifice scheme, retire at 60, or at 65, or somewhere in between. Build the alternatives once, and the trade-offs are right there — what each one means for your pay now, and your pension later.
Hold the options side by side, not in your head.
See the financial impact of the decision you’re actually making — drop to four days, or stay at five, take a salary sacrifice scheme, retire at 60, or at 65, or somewhere in between. Build the alternatives once, and the trade-offs are right there — what each one means for your pay now, and your pension later.
What changes — now and later.
Pick two scenarios and see the differences to your pay and pension side by side. Decisions you used to make on gut feeling, you can now make based on real numbers.
What changes — now and later.
Pick two scenarios and see the differences to your pay and pension side by side. Decisions you used to make on gut feeling, you can now make based on real numbers.
How we work
Checked against real payslips
Calculations validated against actual NHS payslips, not just theory.
Open source
The tax and pension logic lives in a public library. Anyone can inspect it.
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We don’t sell your data, take commission, or use third-party trackers.
Updated every April
When HMRC rates and NHS pay circulars change, the calculator changes the same week.
Every rate is dated. Every rule is sourced. How we show our working
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1995 scheme support. More NHS pay schemes beyond Agenda for Change.
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