Band 7 typically covers senior clinical and specialist roles. At this level, small changes in deductions can have a noticeable effect on take-home pay, especially if part of your income is taxed at higher marginal rates.
This page explains Band 7 take-home mechanics and shows the Band 7 salary points for 2026/27. For the pay award announcement context, use: NHS pay update 2026/27.
- Take-home pay (England/Wales/NI): Band 7 Take-Home Calculator
- Resident in Scotland? Band 7 Scotland Calculator
- Hourly rate from annual salary: Convert NHS Salary to Hourly
- Annual salary from hourly rate: Convert NHS Hourly to Salary
- Hourly rate from monthly pay: Convert NHS Monthly Pay to Hourly
Prefer the all-band calculator? Use: NHS Take-Home Pay Calculator
On this page
1. Band 7 salary and hourly rate (2026/27)
Band 7 pay varies by pay point. Many users search Band 7 take-home pay to understand their monthly budget impact and their effective hourly rate for overtime or bank shifts.
| Band 7 position | Gross annual salary (2026/27) | Hourly rate (gross) |
|---|---|---|
| Entry level | £49,387 | *£25.26 |
| Intermediate | £51,932 | *£26.56 |
| Top of band | £56,515 | *£28.90 |
*Gross hourly rate orientation. For a precise conversion based on your contracted hours, use: NHS Salary to Hourly.
Salary points are shown for quick reference. For personalised take-home pay (after deductions), use the Band 7 calculator.
2. Estimated Band 7 take-home pay (monthly)
Band 7 take-home pay is driven by the same deductions as other bands, but at this salary level more staff may see part of income taxed at higher marginal rates, depending on total income and any additional pay.
Typical Band 7 monthly take-home ranges
These ranges are deliberately broad because pension tiers, tax codes, student loans and additional pay can change the result.
- Entry level: ~£2,900 – £3,200 per month
- Intermediate: ~£3,000 – £3,350 per month
- Top of band: ~£3,250 – £3,600 per month
For an accurate estimate based on your situation, use: Band 7 Take-Home Calculator.
3. 2026/27 vs 2025/26 (Band 7 pay rise impact)
The table below shows a simple gross comparison year-on-year. Take-home changes can differ once deductions are applied.
| Band 7 position | Gross annual salary 2025/26 | Gross annual salary 2026/27 | Annual increase | Hourly rate 2025/26 (gross) | Hourly rate 2026/27 (gross) | Hourly increase |
|---|---|---|---|---|---|---|
| Entry level | £47,810 | £49,387 | +£1,577 | £24.45 | £25.26 | +£0.81 |
| Intermediate | £50,273 | £51,932 | +£1,659 | £25.71 | £26.56 | +£0.85 |
| Top of band | £54,710 | £56,515 | +£1,805 | £27.98 | £28.90 | +£0.92 |
Take-home pay does not usually increase in the same proportion as gross pay because of deductions and thresholds. For a personalised estimate, use the Band 7 take-home calculator.
4. Why your net increase can be smaller than expected
The headline uplift applies to gross pay. Your take-home can rise by less than the headline percentage because deductions and thresholds affect the “in-pocket” result.
Common reasons for Band 7
- Higher marginal tax exposure: Band 7 is closer to thresholds where additional pay can be taxed at higher rates.
- Pension contribution tiers: changes in pension tiers can increase deductions and reduce net uplift.
- Student loans: if applicable, repayments can reduce the visible uplift further.
5. London weighting (HCAS) for Band 7
If you receive HCAS (London weighting), it increases gross pay but remains subject to deductions. If you are near an HCAS cap, your total uplift can be lower than expected even if basic pay rises.
6. Scotland vs England take-home differences
Scotland uses different income tax bands and rates, so the same Band 7 gross salary can produce a different take-home outcome depending on where you pay income tax.
If you pay Scottish income tax, use the Scotland version: Band 7 Scotland Calculator.
Calculate your exact Band 7 take-home pay
Get a personalised estimate based on pension contributions, student loans and location.
7. FAQs
How much does Band 7 take home per month?
Many Band 7 staff take home roughly £2,900 to £3,600 per month depending on pay point and deductions. Use the Band 7 calculator for a tailored estimate.
What is the Band 7 hourly rate?
In 2026/27, Band 7 gross hourly rates are around £25.26 to £28.90 depending on pay point. Convert your pay point precisely with NHS Salary to Hourly.
Why can Band 7 take-home pay vary so much between people?
Pension tiers, tax codes, student loan deductions, London weighting and additional pay elements can all change the net outcome. Two staff on the same gross salary can see different take-home pay.