NHS Calculators

Band, point & region → exact take-home pay

Nights, weekends & bank holidays enhancements

2015 CARE scheme projection & early retirement modelling

Extra hours worked at your trust's own overtime multiplier

PAYE bank vs umbrella company take-home, plus the IR35 explainer

Beyond the day rate: substantive vs bank/agency, including paid leave, sick pay and pension value

Free tapered allowance, carry forward and pension tax charge estimator, with Pro forward planning and an accountant PDF

Your days by length of service, pro-rated for part-time

For international nurses (OSCE) & doctors (PLAB/IMG), with a Pro 3-year budget planner

Compare your real NHS take-home and pension value against an actual offer or figure you've researched abroad

Year-by-year pay forecast, with a Pro promotion-vs-staying comparison up to 15 years

Section 16 lump sum, tax-free split, plus a Pro notice pay estimate and PDF report

Section 15 week-by-week OMP breakdown, plus a Pro monthly cash-flow and return-to-work planner

Combine basic pay, unsocial hours and overtime into one accurate monthly take-home figure, plus Pro scenario comparison

Estimate your borrowing range (sole or joint), plus honest guidance on what key worker home-buying help still exists. See the full NHS Mortgages hub for profession-specific guides.

Monthly payment on a specific loan amount, rate and term — repayment or interest-only, checked against real NHS take-home pay

Real cash gain vs what you'd give up, plus a Pro AI Opt-Out Analysis

Instant feedback on structure, NHS values and quantified achievements — 1 free review

Log booked leave against your entitlement, with a live use-it-or-lose-it progress bar — saves to your account

Log every extra shift for a running year-to-date hours & pay total, saved to your account

Section 14 entitlement by length of service, the rolling 12-month rule, and what a period of absence is really worth

The full sick pay timeline by length of service — full pay, then half pay, then exactly where the income protection gap begins

What you're owed when a pay rise or pay-point increment is backdated, plus a realistic net estimate

Your new salary and back pay, pre-filled with the confirmed 3.3% AfC uplift or the DDRB rates for doctors and dentists

Compare your actual payslip figures against what's expected, line by line, with the most common reasons for any gap

SDLT owed on a home in England & NI, including first-time-buyer relief, Shared Ownership and the additional-property surcharge, with a full band breakdown

How long it'll take to save your house deposit, including the LISA's 25% bonus, £4,000/year cap and the early-withdrawal penalty risk

Does a car lease or Cycle to Work affect your NHS pension? Year-by-year CARE accrual lost over the arrangement's real term

A private, plain-language reflection using the six HSE Management Standards factors — not a test, no score, nothing saved

Your shift times, consecutive nights & driving status → a personalised, evidence-based recovery checklist. Not medical advice.

Compare any two bands and pay points on real take-home pay — Band 6 vs Band 7 and beyond, after tax, NI and pension

Goes beyond a pay comparison — factors in lost unsocial hours pay, on-call commitments and relocation to show the realistic monthly change

Uniform, mileage and professional fee tax relief, itemised — plus a Pro claim summary to copy straight into your P87

Real childcare costs against your NHS take-home pay, including the Tax-Free Childcare top-up — plus a Pro side-by-side working-pattern comparison

Instant free ACAS/tribunal deadline, plus an AI-generated personalised action plan and follow-up chat — 1 free AI generation

Free readiness check for an NHS investigation or disciplinary hearing, plus a records request letter, hearing statement draft and rep briefing

Check whether your situation usually qualifies for pay protection and compare your old and new pay

Take-home pay for salaried and trainee GPs after tax, National Insurance, NHS Pension and student loan

Free readiness check for an NHS capability process, plus a records request, response statement and rep briefing

Free readiness check, time limits and stage guide for an NHS grievance, plus a formal letter, evidence index, rep note and appeal draft

Free readiness check for a flexible working request, plus a request letter, business case, trial plan and appeal draft

Track absences and your rolling 12-month position, then prepare for a return-to-work or absence review meeting

See month by month when full pay, half pay and SSP run out during long-term sickness

Check whether you may qualify for a top-up to 85% of pay for up to 12 months

Your notice deadline, earliest leave start, pay phases and return date from your due date

Split leave between two parents and see notice deadlines and the NHS enhanced pay pool

Plan your annual leave around your own rota and bank holidays for the most days away, with partner day-off matching

Book the best days around bank holidays in 2027 and 2028 to get the most time off

The 59p and 36p NHS rates, the 4,500-mile threshold, the HMRC 55p comparison and tax relief on any shortfall

What you actually received net of tax, NI and pension, and an affordable repayment schedule

The Child Benefit charge, personal allowance taper and childcare cliff, and what an AVC changes

What you keep from bank shifts after tax, NI and pension, and why bank pay often has a BR code

Accrued leave paid out or deducted, notice dates and your final pay timeline when leaving the NHS

Compare the standard and maximum tax-free lump sum, the pension you give up and the break-even age

Income tax on your NHS pension and other income, your monthly take-home after tax, and what a pension rise is worth

Your Normal Pension Age and earliest age by section, with the reduction or increase at every age

Free affordability check for an NHS wage overpayment, plus ready-to-send letters to query it or agree a repayment plan

Free readiness check on whether your job has outgrown its band, plus a request letter, evidence log and appeal draft

Free pay/band/hours/commute comparison against an offered role, plus an AI assessment of the factors for and against treating it as unsuitable — 1 free AI generation

Compare 2 trusts on region, type & HCAS pay zone free, up to 4 with Pro, plus an AI narrative against your own priorities — 1 free AI generation

Free instant trust shortlist matched to your profession and preferences, plus AI guidance on your best fits and what to prepare — 1 free AI generation

A free instant screening checker against the real job offer, sponsorship, salary and English language criteria — not immigration advice

What you'd owe back today under a typical relocation or training tie-in clause, with the stepped and linear repayment models compared

For people considering joining the NHS — your likely starting band range from your qualification level and relevant experience

Band-specific bank holiday enhancement for any shift, including across midnight, plus time off in lieu hours.

The real take-home cost of an electric car through salary sacrifice, with pension, student loan and Child Benefit effects.

Statutory minimum versus your contract, your leaving date and last working day.

Your 2026/27 tier in England, Wales, Scotland or Northern Ireland and what it costs after tax relief.

Decode 1257L, BR, K and emergency codes and see the tax they imply.

A private running balance of TOIL and flexi hours with the three-month overtime TOIL deadline.

Take-home effect of buying or selling leave, with pension impact.

What carries over against your trust's limit, plus sickness and maternity rules.

NHS pension plus State Pension and other income: tax, monthly take-home and the April 2027 rise after tax.

Which retire-and-return rules (24-hour break, abatement, 16-hour rule removed) apply to your section and plan.

Last day to contact Acas for unfair dismissal, discrimination, redundancy pay, deductions, contract and whistleblowing claims, with early conciliation.

Score your absences with S x S x D and compare with your own trust's review points. No default triggers.

Part-time salary, FTE, pension tier on actual pay, take-home and leave in hours.

When your next pay point is due and what it is worth.

Official Inner, Outer and Fringe London areas, amounts and a worked example per band.

Appeal letter, grounds of appeal, records request and rep briefing

Request letter, evidence list, OH questions and review letters

Incident log, formal complaint, evidence index and escalation letters

Disclosure letter, private record, detriment letter and regulator outline

Free readiness check and ICO time-limit guide, then request letter, schedule of what to ask an NHS employer for, follow-up letters, complaint to the data protection officer, ICO complaint outline and response checklist.

Free readiness check, deadlines and grounds guide (Handbook section 16), then appeal letter, grounds, request for the selection matrix and scores, hearing preparation, rep briefing and follow-ups.

Free readiness check and Handbook guide (sections 2, 3 and 13), then log summary with estimate, claim letter, records request, grievance wording, follow-ups and first-conversation prompts.

Free readiness check and time-limit guide, then claim letter with calculation table, payroll records request, escalation letter, grievance wording, follow-ups and rep briefing.