Nurse Take-Home Pay by Country 2026: US, UK, Australia
After-tax income compared across countries — with rankings, salary tiers, and on-the-ground notes.
Key facts & breakdown
The tax mechanics behind each ranking. Expand any item for the full breakdown.
Bureau of Labor Statistics, Occupational Outlook Handbook (OEWS, May 2025): registered nurses median pay $97,550 a year ($46.90 an hour); 3,465,400 jobs in 2025. BLS lists the 10th percentile as less than $68,940 and the 90th as more than $137,470. Our US engine (single filer, wages only, 2026 federal rules, standard deduction, Social Security and Medicare included) gives total tax and payroll deductions of $20,094 on $97,550 in Texas ($77,456 take-home, 79.4%), $24,777 in California ($72,773, 74.6%) and $24,810 in New York State ($72,740, 74.6%, state tax only, no New York City tax). The engine does not include California SDI, 401(k) or health premiums.
NHS Employers pay scales from 1 April 2026 (England): Band 5 £32,073 / £34,592 / £39,043; Band 6 £39,959 / £42,170 / £48,117; Band 7 £49,387 / £51,932 / £56,515 (entry, intermediate and top of band). NHS Pension Scheme member contributions from 1 April 2026 are tiered by pensionable pay (8.3% for £28,855 to £35,155, 9.8% for £35,156 to £52,778, 10.7% for £52,779 to £67,668) and the tier rate applies to the whole of pensionable pay. Scotland, Wales and Northern Ireland have separate pay scales and Scotland has separate income tax bands, so this guide covers England only.
NSW Health Information Bulletin IB2026_018 (published 26 May 2026) sets Registered Nurse weekly rates under the Public Health System Nurses' and Midwives' (State) Award 2025. From 1 July 2026: year 1 A$1,566.70, year 3 A$1,737.00, year 5 A$1,919.20, year 8 and thereafter A$2,199.60 a week. A further 3% rise applies from 1 July 2027. Other states and private employers pay under different agreements, so NSW is one reference point, not a national figure. Employers must also pay super guarantee at 12% on top of salary (ATO).
Ireland: the Department of Health consolidated salary scales effective 1 June 2026 list the HSE Staff Nurse scale at EUR 38,166 (first point) to EUR 56,592 (point 13), plus a long service increment, and Clinical Nurse Manager 1 at EUR 57,780 to EUR 68,046. Canada: Job Bank (from Statistics Canada Labour Force Survey data, reference period 2023-2024, updated 19 November 2025) shows Ontario registered nurses with a low of C$29.00, median of C$42.00 and high of C$55.00 an hour. We do not publish take-home for these two countries because our engines for them have not yet been independently verified.
United States: BLS median and take-home in three states
The Bureau of Labor Statistics reports a median annual wage of $97,550 for registered nurses (Occupational Employment and Wage Statistics, May 2025, published in the Occupational Outlook Handbook and last modified 27 August 2026). That replaces the older medians still quoted on many sites. The table applies 2026 federal rules and each state's income tax to the BLS median and to the BLS 10th and 90th percentile figures.
| Annual pay | Gross | Texas take-home | California take-home | New York State take-home |
|---|---|---|---|---|
| BLS 10th percentile (listed as less than $68,940) | $68,940 | $57,329 (83.2%) | $55,149 (80.0%) | $54,203 (78.6%) |
| BLS median | $97,550 | $77,456 (79.4%) | $72,773 (74.6%) | $72,740 (74.6%) |
| BLS 90th percentile (listed as more than $137,470) | $137,470 | $105,227 (76.5%) | $96,831 (70.4%) | $97,817 (71.2%) |
Source for gross figures: BLS OOH, Registered Nurses. Take-home: CountryTaxCalc.com US engine, single filer, wages only, standard deduction, no dependants, no pre-tax deductions. Includes federal income tax, Social Security and Medicare. Excludes California SDI, New York City tax, 401(k) and employer health premiums. BLS describes the 10th percentile as "less than $68,940" and the 90th as "more than $137,470"; we use those numbers as illustrative round points.
Texas has no state income tax, so the gap to California and New York at the median is about $4,700 a year before differences in local pay. Registered nurse pay itself varies by state and employer, and we have not used a state-level BLS figure here, so do not read this table as a salary comparison between states.
England: NHS Agenda for Change bands and what is left after tax and pension
NHS Employers published the 2026/27 Agenda for Change pay scales on 12 February 2026, effective 1 April 2026. Newly qualified nurses start in Band 5, senior staff nurses and specialists are typically Band 6, and advanced practitioners and ward sisters or charge nurses in Band 7. The table below deducts income tax, employee National Insurance and the NHS Pension Scheme contribution for each pay point.
| Pay point | Gross salary | NHS pension rate | Annual take-home | Share kept |
|---|---|---|---|---|
| Band 5 entry | £32,073 | 8.3% | £24,484 | 76.3% |
| Band 5 top | £39,043 | 9.8% | £28,571 | 73.2% |
| Band 6 entry | £39,959 | 9.8% | £29,158 | 73.0% |
| Band 6 top | £48,117 | 9.8% | £34,393 | 71.5% |
| Band 7 entry | £49,387 | 9.8% | £35,207 | 71.3% |
| Band 7 top | £56,515 | 10.7% | £39,708 | 70.3% |
Calculation: England income tax 2026/27 (personal allowance £12,570, 20% to £50,270, 40% above, GOV.UK); Class 1 employee National Insurance category A (0% to £242 a week, 8% to £967 a week, 2% above, GOV.UK, applied as weekly thresholds multiplied by 52); NHS Pension Scheme member contributions from NHS Business Services Authority. Assumes tax code 1257L, no student loan, no second job, and that pension contributions are deducted before income tax (the usual net-pay arrangement, but check your payslip). This is a hand calculation from published rules, not an engine run. Scotland, Wales and Northern Ireland differ.
The NHS pension deduction is not money lost: it buys a defined-benefit pension, so cash take-home understates total compensation for NHS staff. We have not put a value on that pension because it depends on career length and pay progression.
Australia: NSW public-hospital registered nurse rates
NSW Health Information Bulletin IB2026_018 sets Registered Nurse award rates following the NSW Industrial Relations Commission decision of 16 April 2026. The table uses the weekly rates from 1 July 2026 multiplied by 52, then applies 2026-27 resident income tax and the 2% Medicare levy using our Australia calculator.
| Award step | Weekly rate | Annual (x 52) | Annual take-home | Share kept | Employer super at 12% |
|---|---|---|---|---|---|
| Year 1 | A$1,566.70 | A$81,468 | A$64,878 | 79.6% | A$9,776 |
| Year 3 | A$1,737.00 | A$90,324 | A$70,900 | 78.5% | A$10,839 |
| Year 5 | A$1,919.20 | A$99,798 | A$77,343 | 77.5% | A$11,976 |
| Year 8+ | A$2,199.60 | A$114,379 | A$87,258 | 76.3% | A$13,725 |
Gross rates: NSW Health IB2026_018, Table 1. Take-home: CountryTaxCalc.com Australia engine (resident, 2026-27 rates including the 15% rate on A$18,201 to A$45,000, plus 2% Medicare levy; Medicare Levy Surcharge, HELP repayments and salary packaging excluded). Super guarantee rate of 12% per the ATO (rate in force since 1 July 2025). Penalty rates, shift allowances and overtime are not included, so many nurses earn more than the base award figure. Other states and private employers use different agreements.
Ireland and Canada: salary benchmarks without take-home
Ireland. The Department of Health consolidated salary scales effective 1 June 2026 (reflecting a 1% adjustment under the Public Service Agreement 2024-2026) list the HSE Staff Nurse scale at EUR 38,166 on the first point rising to EUR 56,592 at point 13, with a long service increment after that. Clinical Nurse Manager 1 runs from EUR 57,780 to EUR 68,046, Clinical Nurse Manager 2 from EUR 62,699 to EUR 79,227 and Clinical Nurse Manager 3 from EUR 72,146 to EUR 81,478. You can run any of these salaries through our Ireland tax calculator, but we have not independently verified that engine, so we do not publish a take-home table here.
Canada. Job Bank, using Statistics Canada Labour Force Survey data for 2023-2024 (page updated 19 November 2025), shows Ontario registered nurses with a low of C$29.00, a median of C$42.00 and a high of C$55.00 an hour. That is survey data, not a collective agreement scale, and it is older than the other benchmarks on this page. Use our Canada tax calculator for your own figures, with the same caveat.
Comparing countries fairly, and US travel nursing
The take-home percentages above are not like-for-like. The UK figures already include an 8.3% to 10.7% pension contribution. The US figures include no 401(k) or health-insurance premium, which many employers deduct. Australian figures exclude the 12% employer super, which sits on top of salary. Compare what you keep, but also what is being set aside for retirement and healthcare in each country.
US travel nursing. Travel contracts often split pay into a taxable hourly rate and non-taxable stipends. Under IRS Tax Topic 511, travel expenses away from your tax home are deductible only for temporary work, meaning work realistically expected to last one year or less, and your tax home is generally the city or general area where your main place of work is located. Whether a stipend is tax-free in your case depends on whether you keep a qualifying tax home, so we do not model travel stipends or quote typical contract rates. A US tax professional should confirm your position.
Countries not covered in this edition
An earlier version of this guide ranked nurse take-home in the UAE, Singapore, New Zealand, Norway, Germany and others using salary levels we could not trace to an official source and fixed exchange rates. We have removed those figures. They will return when we can pair a published nurse pay scale with a verified tax calculation. In the meantime you can check any salary yourself in the UAE, Singapore, New Zealand, Norway and Germany calculators, remembering that some of those engines are still under audit.
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Frequently asked questions
The US Bureau of Labor Statistics reports a median annual wage of $97,550 ($46.90 an hour) for registered nurses, from the Occupational Employment and Wage Statistics survey for May 2025. BLS lists the 10th percentile as less than $68,940 and the 90th as more than $137,470. Pay varies widely by state, setting and specialty. Our US engine puts take-home on the median at about $77,456 in Texas and $72,773 in California for a single filer before pre-tax deductions.
NHS Band 5 pay in England runs from £32,073 to £39,043 from 1 April 2026. Using GOV.UK 2026/27 income tax and National Insurance rules and the NHS Pension Scheme contribution tiers, we calculate take-home of about £24,484 at the entry point and £28,571 at the top of the band for a single person with tax code 1257L and no student loan. That is roughly £2,040 and £2,381 a month. Pension contributions buy a defined-benefit pension, so cash take-home is not the whole picture.
Under the Public Health System Nurses' and Midwives' (State) Award 2025, as set out in NSW Health bulletin IB2026_018, registered nurse base rates from 1 July 2026 run from A$1,566.70 a week in year 1 to A$2,199.60 a week at year 8 and thereafter, with a further 3% rise from 1 July 2027. Multiplied by 52 that is about A$81,468 to A$114,379 before penalty rates and allowances. Employers also pay 12% super guarantee on top. Other states and private employers use different pay agreements.
Only in qualifying circumstances. The IRS explains in Tax Topic 511 that travel expenses away from your tax home are deductible only for temporary work, and that work expected to last more than one year is treated as indefinite. Whether a stipend can be paid tax-free depends on you keeping a tax home and on how your employer structures the payment. Because the answer depends on individual facts, speak to a US tax professional before relying on a recruiter's take-home estimate.