Midwife salary and take-home pay 2026/27

A typical midwife salary of £40,000 takes home £32,319.60 a year (£2,693.30 a month) after income tax and National Insurance for 2026/27 in England, Wales or Northern Ireland, with no pension or student loan.

Gross: £40,000
Take-home: £32,319.60
Monthly: £2,693.30
Weekly: £621.53
Income Tax: £5,486.00
Employee NI: £2,194.40
Effective rate: 19.2%
Marginal (IT+NI): 28.0%

Take-home at typical salaries

Gross	Tax	NI	Monthly	Take-home
£33,000	£4,086.00	£1,634.40	£2,273.30	£27,279.60
£40,000	£5,486.00	£2,194.40	£2,693.30	£32,319.60
£47,000	£6,886.00	£2,754.40	£3,113.30	£37,359.60

NHS pay bands — take-home

Point	Gross	Take-home	Page
Band 5	£32,073	£26,612.16	—
Band 6	£39,959	£32,290.08	—
Band 7	£49,387	£39,078.24	—

2025/26 AfC entry-point working set. Confirm the live 2026/27 AfC pay scales (published by NHS Employers) at ship time — SERPs disagree on exact figures. The live scale wins. Source: NHS Employers.

Sources

NHS Careers — midwife (accessed 2026-08-14)

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