NHS Band 8c Point 2 Salary After Tax 2025-26
Band 8c · Individual pay point · Gross salary: £87,750
NHS Band 8c Point 2 tax breakdown 2025-26
| Item | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross salary | £87,750 | £7,313 | £1,688 |
| Personal Allowance (tax-free) | £12,570 | £1,048 | £242 |
| Income Tax | −£22,532 | −£1,878 | −£433 |
| National Insurance | −£3,766 | −£314 | −£72 |
| Net take-home | £61,452 | £5,121 | £1,182 |
About NHS Band 8c Point 2
NHS Band 8c Point 2 is an individual pay point within Band 8c of the Agenda for Change (AfC) pay framework. Staff progress through pay points within their band, usually annually subject to satisfactory performance.
On a gross salary of £87,750, you take home £61,452 per year (£5,121 per month) after Income Tax and National Insurance. The gross hourly rate is £45 based on 37.5 hours per week.
Use the calculator above to model different scenarios including pension contributions, student loan repayments, or changes in hours. For Scottish income tax rates, see the Scotland version of this page.
Frequently asked questions
What is the take-home pay for NHS Band 8c Point 2?
On the gross salary of £87,750, an NHS Band 8c Point 2 worker takes home £61,452 per year after Income Tax (£22,532) and National Insurance (£3,766). That is £5,121 per month.
Does NHS pension reduce my take-home on Band 8c Point 2?
Yes — NHS pension contributions are mandatory and deducted from gross pay before PAYE. At £87,750, your NHS pension contribution is typically 7.1–9.8% of pensionable pay depending on your tier. This is additional to the Income Tax (£22,532/yr) and NI (£3,766/yr) shown here. The pension contribution does reduce your taxable income, so you save some Income Tax — but net take-home is meaningfully lower than £5,121/month once pension is factored in.
What is the hourly rate for NHS Band 8c Point 2?
The gross salary of £87,750 works out at £45 per hour (based on 37.5 hours per week, 52 weeks per year). After tax and NI, the net hourly rate is approximately £32. With NHS pension included, your hourly net would be lower still.
Why does my NHS Band 8c Point 2 take-home feel lower than expected?
On £87,750, your PAYE deductions are Income Tax £22,532/year and National Insurance £3,766/year — already £26,298 combined (effective rate: 29.97%). On top of that, NHS mandatory pension contributions (7.1–9.8%), any student loan repayments, and Agenda for Change pay progression can all affect your net figure.
How does NHS Band 8c Point 2 compare across bands?
NHS Band 8c Point 2 (gross £87,750) gives a take-home of £61,452/year (£5,121/month, £1,182/week). For comparison, see the full band breakdown on the NHS pay bands page, or check the adjacent pay points to see how incremental progression affects your net pay.
Does NHS Band 8c Point 2 pay Scottish income tax differently?
If you are in Scotland, your income tax is calculated using Scottish rates. Scottish income tax is higher for earnings above £43,663. Visit the Scotland version of this page to see the exact Scottish take-home for NHS Band 8c Point 2.