PayBreakdown - Salary Calculator & Budget Manager

Agenda for Change pay calculator

Plan NHS Agenda for Change pay bands, step points, HCAS, pension, tax, National Insurance, and take-home pay.

What this page helps with

Agenda for Change searches use several alternate terms: NHS pay bands, AfC, AFC, pay scale, pay point, step point, HCAS, and London weighting. This page captures those variants.

Official sources

Income Tax rates and Personal Allowances National Insurance rates and categories Student loan repayment thresholds Pension tax relief National Minimum Wage and National Living Wage rates Statutory Maternity Pay and Leave Statutory Sick Pay FCA guidance on misleading financial promotions Off-payroll working and IR35 guidance Understanding off-payroll working Salary sacrifice for employers NHS Employers pay scales 2026/27 NHS Health Careers Agenda for Change pay rates

Frequently asked questions

Is the agenda for change pay calculator financial advice?

No. PayBreakdown pages are planning routes and calculator entry points only. Use official sources, employer documents, lender information, or a qualified adviser before making important decisions.

Can I adjust the assumptions?

Yes. The related calculators let you change salary, tax, pension, student loan, budget, mortgage, loan, or debt assumptions where the current tool supports them.

Last updated 2026-05-07. Planning estimates only. Not financial advice.