NHS Band 5 Net Pay encompasses a wide range of roles, including Registered Nurses specializing in
Acute & Community or Mental Health and Learning Disability services, as well as midwifery and
various other specialties within the NHS. A Band 5 salary is typically assigned to newly qualified
midwives. It serves as the entry point for individuals who have completed a three-year nursing
program at a university, obtaining the Registered Nurse Qualification. In addition, they must hold
a current professional registration, which incurs an individual fee. The management of this
registration fee is overseen by the Nursing and Midwifery Council (NMC), which increased the
annual fee to £120 in February 2015. We also provide net pay calculations for part-time Band 5
positions.
Band 5 offers a diverse range of roles beyond healthcare professions, including various
administration positions that may not necessarily require specific qualifications or professional
registration. These roles encompass a wide array of responsibilities, such as Project Officers,
Caseworkers, Coordinators, Technicians, Clinical Audit Facilitators, Data Analysts, and many
others. These positions provide valuable support and contribute to the efficient functioning of
healthcare systems and services within the NHS.
Band 5 – 1st Pay Point
(£28,407 per annum)
Starting from 1st April 2023, following the implementation of the 5% NHS pay rise, the annual
salary for a Band 5 professional at the 1st pay point will be £28,407. This equates to a monthly
income of £2,367.25 before any deductions. From this salary, individuals in this pay category will
contribute £158.31 towards National Insurance, £208.32 towards NHS Pension contributions,
and £222.29 towards Income Tax each month. Consequently, the NHS Band 5 Net Pay for individuals at the 1st pay point will amount to £1,778.34 per month.
“Following the implementation of the 5% NHS pay rise, the annual salary for individuals at the 1st pay point of Band 5 has increased from £27,055 to £28,407 per year. This represents a total increase of £1,352 annually (£0.113 per month). Effective from 1st April 2023, the new net take-home pay for NHS employees in this category will amount to £1,778 per month, reflecting an additional £48.82 as a result of the NHS 5% pay rise.”
| Detail | Amount in pounds (£) |
|---|---|
| Yearly Salary | £28,407 |
| Monthly Gross Salary | £2,367.25 |
| Pension from Oct ’22 | £208.32 |
| National Insurance Deduction | £158.31 |
| Tax Deduction | £222.29 |
| Monthly Net Pay after all deductions | £1,778.34 |
The pension rate for this calculation is 8.8%, applicable to earnings falling between £28,224 and
£29,179.99 per year. The Income Tax rate is set at 20% for individuals earning between £12,570
and £50,270 annually. In terms of National Insurance (NI), the rate stands at 12% for monthly
earnings ranging from £1,048.01 to £4,189.
“The net pay received by NHS employees, compared to their total salary, is 75%. This indicates that for every £1 earned, 75 pence is retained as take-home pay, while 25 pence is deducted for various contributions and taxes.”
If an individual in Band 5 progresses from the 1st pay point to the 2nd pay point, they would
receive an additional £92.96 per month after deducting all necessary contributions and taxes. In
total, this promotion would result in an increased income of £186.00.
Band 5 – 2nd Pay Point
(£30,639 per annum)
Beginning on 1st April 2023, as a result of the 5% NHS pay rise, the annual salary for an
individual in Band 5 on the 2nd pay point will be £30,639. This equates to a monthly income of
£2,553.25 before any deductions are made. From this amount, a person in this NHS pay point
will contribute £180.63 towards National Insurance, £250.22 towards NHS Pension, and
£251.11 towards Income Tax each month. As a result, the NHS Band 5 Net Pay at the 2nd pay point will be £1,871.30 per month.
“With the implementation of the 5% NHS pay rise, the pay point for Band 5 has been raised from £29,180 to £30,639 per year. This results in a total increase of £1,459 annually, equivalent to an additional £0.122 per month. Starting from 1st April 2023, individuals in this pay point willenjoy a new NHS net take-home pay of £1,871 per month, reflecting an increase of £73.13 due to the NHS 5% pay rise.”
| Detail | Amount in pounds (£) |
|---|---|
| Yearly Salary | £30,639 |
| Monthly Gross Salary | £2,553.25 |
| Pension from Oct ’22 | £250.22 |
| National Insurance Deduction | £180.63 |
| Tax Deduction | £251.11 |
| Monthly Net Pay after all deductions | £1,871.30 |
Based on the specified income ranges, the pension rate for this scenario is 9.8%. It applies to
earnings exceeding £29,180 but not exceeding £43,805.99 per year. The Income Tax rate is set
at 20% for earnings falling between £12,570 and £50,270 annually. Furthermore, the National
Insurance (NI) rate is 12% for monthly earnings ranging from £1,048.01 to £4,189.
“The net pay received by NHS employees, expressed as a percentage of their total salary, is 73%. In practical terms, this means that for every £1 earned, 73 pence is retained as take-home pay, while 27 pence is deducted for taxes and other contributions.”
If an individual in Band 5 were to be promoted or move up from the 2nd pay point to the 2nd &
final pay point, they would experience an increase in earnings. Specifically, they would earn an
additional £197.58 per month after all deductions, resulting in a total increase of £328.42.
Band 5 – 2nd & Final Pay Point
(£34,580 per annum)
With the 5% NHS pay rise in effect starting from 1st April 2023, the annual salary for a Band 5 on the 2nd & final pay point will be £34,580. This translates to a monthly pre-deduction amount of £2,881.67. Deductions for a person in this NHS pay point include £220.04 for National Insurance, £282.40 for NHS Pension contributions, and £310.35 for Tax. As a result, their net (take-home) pay will amount to £2,068.87 per month.
Following the implementation of the 5% NHS pay rise, the pay point for Band 5 has been
elevated from £32,934 to £34,580 per year. This represents a substantial increase of £1,646
annually (£0.137 per month). Effective from 1st April 2023, the revised NHS net take-home pay
will amount to £2,069 per month, reflecting an additional £82.50 as a result of the NHS 5% pay rise.
| Detail | Amount in pounds (£) |
|---|---|
| Yearly Salary | £34,580 |
| Monthly Gross Salary | £2,881.67 |
| Pension from Oct ’22 | £282.40 |
| National Insurance Deduction | £220.04 |
| Tax Deduction | £310.35 |
| Monthly Net Pay after all deductions | £2,068.87 |
The calculations are derived from a 9.8% pension rate, which applies to earnings ranging
between £29,180 and £43,805.99 per year. Income Tax is levied at a rate of 20% on earnings
falling between £12,570 and £50,270 annually. Additionally, National Insurance (NI) is charged
at a rate of 12% for monthly earnings ranging from £1,048.01 to £4,189. These figures provide a
framework for understanding the pension, tax, and NI contributions within the specified income
brackets.
“When considering NHS net pay, it amounts to 72% of the total salary, resulting in a take-home amount. In other words, for every £1 earned, approximately 72 pence is retained while around 28 pence is deducted for various contributions and taxes. This breakdown gives an overview of the distribution between the portion received and the portion allocated towards deductions.”
If an individual in this pay band were to receive a promotion or move up from Band 5 on the 2nd
& final pay point to Band 6 on the 1st pay point, they would experience an additional £40.66 per
month in earnings after accounting for all deductions. This equates to a total increase of £67.58
when considering the cumulative impact over time.
Important Note
Tax is calculated on income after pension contributions have been deducted. As a result, it is
possible that an individual’s post-pension income may not meet the threshold for the 20%, 40%,
or 45% tax brackets.
Please note that all calculations are based on the 2023/2024 NHS Pension, National Insurance,
and Income Tax rates. These calculations have not been officially verified by the NHS and may
have a slight variance in a few pennies. This article serves as a comprehensive guide to understanding NHS Band 5 Net Pay across different pay points and is intended to assist NHS workers.
Additionally, if you are a nurse, please remember to deduct an additional £10 per month to cover
your NMC registration fees.
Many NHS workers earn additional income by working unsocial hours, which include weekends,
evenings, bank holidays, and overnight shifts. These hours are accounted for and each hour
worked is supplemented with an appropriate enhancement, which is then added to the monthly
payment. If you’re interested in further exploring the roles and responsibilities that come with NHS Band 5 positions, you can find more information on the official NHS Website.
