Free NHS Pay Tracker

Know your pay before pay day

Plan Shifts Smarter.
Understand Your Pay.

PayIQ calculates your exact NHS take-home — every shift, overtime, tax, National Insurance, pension, and student loan — all before payday. No spreadsheets. No surprises.

All NHS pay bands Night & overtime uplifts Tax, NI & pension Student loan plans

Download on the

App Store

Get it on

Google Play
Free · iOS & Android · No subscription
April Take-Home
£2,934
Gross £4,115 · Paid 30 Apr
↑ vs last month
Regular £2,547
Night +30% +£87
Overtime +£379
PayIQ Dashboard
🌙
Night Enhancement
+30% applied automatically
9
NHS pay bands supported
100%
Free to download & use
4
Shift types with correct uplifts
2s
Average calculation time
App screenshots

See every screen of PayIQ

Clean, intuitive design built for busy NHS workers — get the numbers you need in seconds.

Sign In

Sign In

Dashboard

Dashboard

Shift Log

Shift Log

Compare Shifts

Compare Shifts

Features

Everything you need to
understand your NHS pay

From complex shift patterns to deductions — PayIQ handles it all so you always know where your money goes.

💷

Accurate Pay Forecast

See your estimated take-home for the current and next month, calculated from your actual shifts and NHS pay band.

🧮

Tax & NI Calculations

UK 2024/25 income tax and National Insurance automatically applied — basic, higher, and additional rate supported.

🎓

Student Loan Deductions

Plan 1, 2, 4, and 5 each calculated precisely against the correct income thresholds and repayment rates.

Plans 1, 2, 4 & 5
🏥

NHS Pension

Contribution rates auto-selected by pay band. Opt-out supported for bank-only workers not enrolled.

📊

Compare Shifts

Compare earnings of different shift types side by side — useful when deciding whether to pick up an extra shift.

📈

Pay Trend Charts

Visualise gross and net pay across months. Spot patterns and understand how shift mix affects your income.

How it works

Up and running in
under 2 minutes

No complex setup. Just download, enter your details, and see your pay instantly.

1

Set up your profile

Enter your NHS pay band, employment type, trust, pension, and student loan plan. Takes under 2 minutes.

2

Log your shifts

Add shifts as you work them — day, night, weekend, overtime, or bank. Uplifts applied automatically.

3

See your take-home

Your dashboard shows gross pay, every deduction, and your exact take-home — updated in real time.

Shift types

Every NHS shift
accounted for

PayIQ applies the correct NHS Agenda for Change enhancement rates for every shift type — automatically.

☀️

Standard Day Shifts

Regular daytime shifts at your base hourly rate for your pay band and increment point.

🌙

Night Shifts

Overnight shifts with NHS standard night enhancement applied to qualifying hours automatically.

+30% uplift
📅

Sundays & Bank Holidays

Weekend and public holiday working with the correct NHS enhancement rate applied.

+60% uplift
⏰

Overtime

Hours beyond your contracted hours, paid at the standard NHS overtime rate.

1.5× rate
Trusted by NHS workers

What NHS staff are saying

Real feedback from nurses, paramedics, and allied health professionals across the NHS.

★★★★★
"Finally an app that understands NHS pay. I used to spend ages working out whether a bank shift was worth it — now I can see instantly."
S
Sarah M.
Band 5 Nurse · NHS England
★★★★★
"The pay trend chart is brilliant. I can see exactly how my take-home changes with night shifts versus day shifts. Really useful for planning."
J
James T.
Band 7 Physiotherapist
★★★★★
"Love that it handles student loan deductions properly — so many calculators get this wrong. PayIQ is accurate and dead simple to use."
A
Anika R.
Band 6 Paramedic
FAQ

Common questions

Everything you need to know about PayIQ.

Yes — completely free. No subscription, no in-app purchases required. PayIQ will always be free for NHS workers.
PayIQ uses official NHS Agenda for Change pay scales and the 2024/25 UK tax and NI rates. Results are estimates — minor differences can occur due to payroll timing and local trust policies.
Yes. PayIQ has a dedicated bank worker mode where all pay — including regular and bank shifts — is calculated correctly, with pay dates set to the 15th of the following month.
Plan 1, Plan 2, Plan 4, and Plan 5 — all calculated against the correct income thresholds and rates for 2024/25.
Your data is stored securely in your account and only you can access it. See our Privacy Policy for full details.
All NHS Agenda for Change pay bands from Band 1 through Band 9, covering the full range of increment points.

Download PayIQ
for free today

Available now on iOS and Android. No subscription, no hidden fees — completely free for all NHS workers.

  • Free forever — no subscription
  • Works offline after setup
  • All NHS pay bands 1–9
  • Updated for 2024/25 tax year
  • Permanent and bank worker modes
  • Student loan plans 1, 2, 4 & 5

Download on the

App Store

Get it on

Google Play