NHS Pension

NHS Pension Increase April 2027 by Amount (£5k to £40k)

FP FrontlinePay Editorial

Updated 21 October 2026

Independent guidance — not affiliated with NHS England or DHSC

This page is for people who draw an NHS pension and want a straight answer to "what will it add to mine?" without working out percentages. Find your yearly pension in the table, read across, and see the extra pounds a year and a month at each rate. It uses the same sums as the estimator on our main NHS pension increase page, and it follows the same status model, so it updates when the April 2027 figure is published.

Short answer

Multiply your yearly pension by the percentage. Each 1% adds £10 a year for every £1,000 of pension. September CPI was 3.5%, which the increase follows once confirmed. At that rate a £12,000 pension would gain £420.00 a year before tax. A pension that started in the last year gets only part of the increase.

Budget day, 28 October: what it means for your NHS Pension

On 28 October we will email you what was announced and what it means for NHS Pension members.

Free. Every email has an unsubscribe link. See our privacy policy.

Each 1% adds

£10

A year, for every £1,000 of yearly pension, before tax

April 2026 increase

3.8%

From 6 April 2026

September CPI

3.5%

Likely April 2027 rise, awaiting confirmation

NHS pension increase by amount: £5,000 to £40,000

September CPI was 3.5%, which the increase follows once the Government confirms it, so the first column is the likely figure. Amounts are before tax, for a pension that has been in payment for a full year.

Yearly pension	3.5% (September CPI)	2%	3%	3.8% (April 2026 rise)
£5,000	£175.00 a year £14.58 a month, new total £5,175	£100.00 a year £8.33 a month, new total £5,100	£150.00 a year £12.50 a month, new total £5,150	£190.00 a year £15.83 a month, new total £5,190
£6,000	£210.00 a year £17.50 a month, new total £6,210	£120.00 a year £10.00 a month, new total £6,120	£180.00 a year £15.00 a month, new total £6,180	£228.00 a year £19.00 a month, new total £6,228
£7,000	£245.00 a year £20.42 a month, new total £7,245	£140.00 a year £11.67 a month, new total £7,140	£210.00 a year £17.50 a month, new total £7,210	£266.00 a year £22.17 a month, new total £7,266
£8,000	£280.00 a year £23.33 a month, new total £8,280	£160.00 a year £13.33 a month, new total £8,160	£240.00 a year £20.00 a month, new total £8,240	£304.00 a year £25.33 a month, new total £8,304
£9,000	£315.00 a year £26.25 a month, new total £9,315	£180.00 a year £15.00 a month, new total £9,180	£270.00 a year £22.50 a month, new total £9,270	£342.00 a year £28.50 a month, new total £9,342
£10,000	£350.00 a year £29.17 a month, new total £10,350	£200.00 a year £16.67 a month, new total £10,200	£300.00 a year £25.00 a month, new total £10,300	£380.00 a year £31.67 a month, new total £10,380
£11,000	£385.00 a year £32.08 a month, new total £11,385	£220.00 a year £18.33 a month, new total £11,220	£330.00 a year £27.50 a month, new total £11,330	£418.00 a year £34.83 a month, new total £11,418
£12,000	£420.00 a year £35.00 a month, new total £12,420	£240.00 a year £20.00 a month, new total £12,240	£360.00 a year £30.00 a month, new total £12,360	£456.00 a year £38.00 a month, new total £12,456
£13,000	£455.00 a year £37.92 a month, new total £13,455	£260.00 a year £21.67 a month, new total £13,260	£390.00 a year £32.50 a month, new total £13,390	£494.00 a year £41.17 a month, new total £13,494
£14,000	£490.00 a year £40.83 a month, new total £14,490	£280.00 a year £23.33 a month, new total £14,280	£420.00 a year £35.00 a month, new total £14,420	£532.00 a year £44.33 a month, new total £14,532
£15,000	£525.00 a year £43.75 a month, new total £15,525	£300.00 a year £25.00 a month, new total £15,300	£450.00 a year £37.50 a month, new total £15,450	£570.00 a year £47.50 a month, new total £15,570
£16,000	£560.00 a year £46.67 a month, new total £16,560	£320.00 a year £26.67 a month, new total £16,320	£480.00 a year £40.00 a month, new total £16,480	£608.00 a year £50.67 a month, new total £16,608
£17,000	£595.00 a year £49.58 a month, new total £17,595	£340.00 a year £28.33 a month, new total £17,340	£510.00 a year £42.50 a month, new total £17,510	£646.00 a year £53.83 a month, new total £17,646
£18,000	£630.00 a year £52.50 a month, new total £18,630	£360.00 a year £30.00 a month, new total £18,360	£540.00 a year £45.00 a month, new total £18,540	£684.00 a year £57.00 a month, new total £18,684
£19,000	£665.00 a year £55.42 a month, new total £19,665	£380.00 a year £31.67 a month, new total £19,380	£570.00 a year £47.50 a month, new total £19,570	£722.00 a year £60.17 a month, new total £19,722
£20,000	£700.00 a year £58.33 a month, new total £20,700	£400.00 a year £33.33 a month, new total £20,400	£600.00 a year £50.00 a month, new total £20,600	£760.00 a year £63.33 a month, new total £20,760
£21,000	£735.00 a year £61.25 a month, new total £21,735	£420.00 a year £35.00 a month, new total £21,420	£630.00 a year £52.50 a month, new total £21,630	£798.00 a year £66.50 a month, new total £21,798
£22,000	£770.00 a year £64.17 a month, new total £22,770	£440.00 a year £36.67 a month, new total £22,440	£660.00 a year £55.00 a month, new total £22,660	£836.00 a year £69.67 a month, new total £22,836
£23,000	£805.00 a year £67.08 a month, new total £23,805	£460.00 a year £38.33 a month, new total £23,460	£690.00 a year £57.50 a month, new total £23,690	£874.00 a year £72.83 a month, new total £23,874
£24,000	£840.00 a year £70.00 a month, new total £24,840	£480.00 a year £40.00 a month, new total £24,480	£720.00 a year £60.00 a month, new total £24,720	£912.00 a year £76.00 a month, new total £24,912
£25,000	£875.00 a year £72.92 a month, new total £25,875	£500.00 a year £41.67 a month, new total £25,500	£750.00 a year £62.50 a month, new total £25,750	£950.00 a year £79.17 a month, new total £25,950
£26,000	£910.00 a year £75.83 a month, new total £26,910	£520.00 a year £43.33 a month, new total £26,520	£780.00 a year £65.00 a month, new total £26,780	£988.00 a year £82.33 a month, new total £26,988
£27,000	£945.00 a year £78.75 a month, new total £27,945	£540.00 a year £45.00 a month, new total £27,540	£810.00 a year £67.50 a month, new total £27,810	£1,026.00 a year £85.50 a month, new total £28,026
£28,000	£980.00 a year £81.67 a month, new total £28,980	£560.00 a year £46.67 a month, new total £28,560	£840.00 a year £70.00 a month, new total £28,840	£1,064.00 a year £88.67 a month, new total £29,064
£29,000	£1,015.00 a year £84.58 a month, new total £30,015	£580.00 a year £48.33 a month, new total £29,580	£870.00 a year £72.50 a month, new total £29,870	£1,102.00 a year £91.83 a month, new total £30,102
£30,000	£1,050.00 a year £87.50 a month, new total £31,050	£600.00 a year £50.00 a month, new total £30,600	£900.00 a year £75.00 a month, new total £30,900	£1,140.00 a year £95.00 a month, new total £31,140
£31,000	£1,085.00 a year £90.42 a month, new total £32,085	£620.00 a year £51.67 a month, new total £31,620	£930.00 a year £77.50 a month, new total £31,930	£1,178.00 a year £98.17 a month, new total £32,178
£32,000	£1,120.00 a year £93.33 a month, new total £33,120	£640.00 a year £53.33 a month, new total £32,640	£960.00 a year £80.00 a month, new total £32,960	£1,216.00 a year £101.33 a month, new total £33,216
£33,000	£1,155.00 a year £96.25 a month, new total £34,155	£660.00 a year £55.00 a month, new total £33,660	£990.00 a year £82.50 a month, new total £33,990	£1,254.00 a year £104.50 a month, new total £34,254
£34,000	£1,190.00 a year £99.17 a month, new total £35,190	£680.00 a year £56.67 a month, new total £34,680	£1,020.00 a year £85.00 a month, new total £35,020	£1,292.00 a year £107.67 a month, new total £35,292
£35,000	£1,225.00 a year £102.08 a month, new total £36,225	£700.00 a year £58.33 a month, new total £35,700	£1,050.00 a year £87.50 a month, new total £36,050	£1,330.00 a year £110.83 a month, new total £36,330
£36,000	£1,260.00 a year £105.00 a month, new total £37,260	£720.00 a year £60.00 a month, new total £36,720	£1,080.00 a year £90.00 a month, new total £37,080	£1,368.00 a year £114.00 a month, new total £37,368
£37,000	£1,295.00 a year £107.92 a month, new total £38,295	£740.00 a year £61.67 a month, new total £37,740	£1,110.00 a year £92.50 a month, new total £38,110	£1,406.00 a year £117.17 a month, new total £38,406
£38,000	£1,330.00 a year £110.83 a month, new total £39,330	£760.00 a year £63.33 a month, new total £38,760	£1,140.00 a year £95.00 a month, new total £39,140	£1,444.00 a year £120.33 a month, new total £39,444
£39,000	£1,365.00 a year £113.75 a month, new total £40,365	£780.00 a year £65.00 a month, new total £39,780	£1,170.00 a year £97.50 a month, new total £40,170	£1,482.00 a year £123.50 a month, new total £40,482
£40,000	£1,400.00 a year £116.67 a month, new total £41,400	£800.00 a year £66.67 a month, new total £40,800	£1,200.00 a year £100.00 a month, new total £41,200	£1,520.00 a year £126.67 a month, new total £41,520

Computed by the same function as our estimator. These are illustrations of the arithmetic, not forecasts for April 2027 unless the column is marked confirmed.

How to read and use the table

✓ Use the yearly rate. Your advice of payment or latest NHS Pensions letter shows your yearly pension. Do not use one monthly payment multiplied by twelve if your payments have been part-month or taxed oddly
✓ Pick the nearest row. Between rows, add the increase for the in-between amount: for £13,400, take the £13,000 row and add 0.4 of the £1,000 step
✓ Use the column for the percentage that applies. When the Government confirms April 2027, the first column is the confirmed figure
✓ Remember it is before tax. The extra is taxable, and the after-tax table below shows how much of it you keep
✓ Check your own number. NHS Pensions tells you your new rate on your advice note, and that is the authority

Why one percentage rather than a pounds figure for everyone? Because the Government sets the increase as a percentage of the pension in payment, based on the rise in CPI in the 12 months to September, and NHSBSA applies it from the first Monday after 5 April. If you want the history of that percentage, see the NHS pension increase by year, 2010 to 2027.

If your pension started in the last year

gov.uk says a pension that has been in payment for less than a year is increased by a proportionate amount depending on the number of months it has been in payment. For 2026, NHSBSA said that you might get a lower percentage if your pension started after 21 April 2025, and no increase if it started after 21 March 2026. NHSBSA will publish the equivalent dates for 2027, and your advice note is the authority. As an approximation of the proportion, our estimator uses months in payment out of 12.

Months in payment by the increase date	Share of the increase	Effective rate at 3.5%	Extra on a £12,000 pension
12 or more	12/12	3.50%	£420.00 a year
9	9/12	2.63%	£315.00 a year
6	6/12	1.75%	£210.00 a year
3	3/12	0.88%	£105.00 a year
1	1/12	0.29%	£35.00 a year

Illustration of the months-out-of-12 approximation at 3.5% (September CPI). It is not NHS Pensions' own table.

Budget day, 28 October: what it means for your NHS Pension

We'll email you on the day with what was announced and what it means for NHS Pension members. You also get the free PDF now.

Free. Independent, not affiliated with the NHS. Every email has an unsubscribe link. See our privacy policy.

What the rise leaves after tax

The increase is part of your pension, so it is taxed with the rest of your income. At 3.5% (September CPI), here is what the extra is worth in England, Wales and Northern Ireland in 2026/27 terms, first with the NHS pension on its own and then with the full new State Pension of £241.30 a week as well.

NHS pension	Rise before tax	After tax, NHS pension only	After tax, with full new State Pension
£10,000	£350.00	£350.00	£280.00
£15,000	£525.00	£420.00	£420.00
£20,000	£700.00	£560.00	£560.00
£30,000	£1,050.00	£840.00	£840.00
£40,000	£1,400.00	£1,120.00	£840.00

The pattern is simple. With the State Pension on top, almost the whole Personal Allowance is already used, so the rise is taxed at 20% and you keep 80p of each pound until the higher-rate threshold. With a smaller NHS pension on its own, part of the rise may fall inside the allowance and is not taxed. At £40,000 with the State Pension, total income passes the £50,270 higher-rate threshold, so part of the rise is taxed at 40% and you keep less of it. Your own figures are in the NHS pensioner net income calculator, and the rules behind the table are in NHS pension plus State Pension: what you pay tax on.

Where the April 2027 figure stands

ℹSeptember CPI is out, confirmation to follow

The ONS published September 2026 CPI at 3.5% on 21 October 2026. The increase follows it, but we only call April 2027 confirmed once the Government publishes it. Updated 21 October 2026.

NHS Pension Increase Estimator

Your exact pension, part-year position and any rate, on the April 2027 page.

Try it

NHS Pensioner Net Income Calculator

The rise after tax with your State Pension and other income.

Try it

NHS Pension Tax Calculator

Tax on your NHS pension and other income, and what a rise leaves.

Try it

NHS Pension Increase April 2027

How the rise is set, what is confirmed and an estimator.

NHS Pension Increase by Year, 2010 to 2027

Every April's percentage with September CPI.

NHS Pension Payment Dates 2026/27

When the increase reaches your account.

NHS Pension Plus State Pension: What You Pay Tax On

Why most of an NHS pension is taxed with the State Pension.

NHS Pension Lump Sum Calculator

How a lump sum changes the pension that gets the increase.

NHS Pension Overpayment and Underpayment Letters

If a letter says your pension was recalculated.

Sources and how we checked

✓ Increase mechanism, timing, eligibility and GMP: NHSBSA pensioner newsletter 2026 and its Pensions Increase and P60 FAQ
✓ Proportionate increase for pensions in payment for less than a year: gov.uk Public service pensions increase 2026
✓ Tax figures: the site's 2026/27 income tax engine and gov.uk's Tax when you get a pension and Income Tax rates pages. New State Pension £241.30 a week: gov.uk Benefit and pension rates 2026 to 2027
✓ No April 2027 percentage is stated as fact until it is published
✓ Independent guidance, not affiliated with NHS Pensions. Your advice note shows your own increase

Frequently asked questions

How much will a £10,000 NHS pension go up in April 2027? +

At 3.5%, a £10,000 pension goes up by £350.00 a year, about £29.17 a month before tax, if the Government confirms September CPI as the increase.

What is the quick sum for my NHS pension increase? +

Multiply your yearly pension by the percentage and divide by 100. Each 1% adds £10 a year for every £1,000 of pension, so a £14,000 pension gets £140 a year for each 1%. Divide by 12 for the monthly figure. Use your yearly rate from your latest advice of payment, not your monthly payment.

Is the increase added to my pension before or after tax? +

The table shows the increase before tax. The extra is taxable pension income, so you keep less of it: at the basic rate 80p of each extra pound, at the higher rate 60p, and all of it if you are still inside your Personal Allowance. The after-tax table on this page uses the 2026/27 rates.

Why is my increase lower than the table shows? +

Because the table is for a pension that has been in payment for a full year. gov.uk says a pension in payment for less than a year gets a proportionate amount depending on the number of months. NHSBSA also says Guaranteed Minimum Pension rules can mean you do not get the full increase on your NHS pension if you retired after 1978 and get a State Pension, with the shortfall made up in your State Pension.

Do I use my pension before or after taking a lump sum? +

Use the yearly pension you are actually paid now, which is after any pension you gave up for a bigger lump sum. The increase applies to the pension in payment, so giving up pension for a lump sum also reduces the pounds the increase adds each year.

When will the extra money start in my payments? +

From the first Monday after 5 April, which NHSBSA applies to the pension from that date. Because pensions are paid in arrears, the first payment on or after that date includes the increase only from that date, so April and May payments can look different. See our payment dates guide for the detail.

Does the increase apply to a spouse's or partner's pension? +

NHSBSA says the increase also applies to adult dependants' pensions for spouses, civil or nominated partners and to children's pensions. The same percentage applies to the pension in payment.

Where can I try a figure that is not in the table? +

Our April 2027 increase page has an estimator that takes your exact yearly pension, any part-year position and any percentage. Our pensioner net income calculator then shows the rise after tax, with your State Pension and other income included.

Budget day, 28 October: what it means for your NHS Pension

We'll email you on the day with what was announced and what it means for NHS Pension members. You also get the free PDF now.

Free. Independent, not affiliated with the NHS. Every email has an unsubscribe link. See our privacy policy.