Core Details
Foundation Year 1
£38,831
Extra contributions via Added Pension / AVC. Deducted before tax but doesn't reduce pensionable pay.
2015 Scheme (Career Average):
Normal pension age: State Pension Age | Accrual rate: 1/54th | Revalued by CPI + 1.5%
Normal pension age: State Pension Age | Accrual rate: 1/54th | Revalued by CPI + 1.5%
2026/27 Tiers - England & Wales:
Up to £13,259: 5.2% | £13,260-£28,854: 6.5% | £28,855-£35,155: 8.3% | £35,156-£52,778: 9.8% | £52,779-£67,668: 10.7% | £67,669+: 12.5%
Up to £13,259: 5.2% | £13,260-£28,854: 6.5% | £28,855-£35,155: 8.3% | £35,156-£52,778: 9.8% | £52,779-£67,668: 10.7% | £67,669+: 12.5%
Adjust Your Pay
London Weighting (HCAS) Not active +
HCAS is a percentage of basic salary with minimum and maximum caps. Only applies to staff in the London area (England & Wales only).
Tax Code 1257L +
Standard tax code is 1257L for 2026/27 (Personal Allowance: £12,570). Only change this if your tax code differs.
Student Loans Not active +
Include Student Loan Repayments
Professional Fees Not active +
Include Professional Fees
Doctor Supplements (Weekend, Night, On-Call) Not active +
Include 2016 contract supplements
Unsocial Hours Not active +
Include Unsocial Hours Payments
On-Call Arrangements Not active +
Include On-Call Payments
Advanced Options
Band Change During Year Not active +
Include Band Change
Salary Sacrifice Not active +
Include Salary Sacrifice
Lease Car Not active +
Include Lease Car Deduction
Overtime & TOIL Not active +
Include Overtime
TOIL Conversion
Allowances (RRP & Other) Not active +
Long-term RRP is pensionable.
Expenses Not active +
Include Expense Claims
Doctor Take-Home Pay Calculator | doctorstakehome.co.uk | Printed
Gross Annual
£0
Net Annual
£0
Net Monthly
£0
Effective Tax Rate:
0%
| Component | Annual | Monthly |
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vs UK median full-time gross (?)
+0%
Estimate indicative mortgage borrowing
Indicative mortgage borrowing capacity
£0
Range based on a 4.0× to 4.5× multiplier of your annual gross income — the typical loan-to-income range UK lenders use following the 2014 Mortgage Market Review rules. Some lenders cap at 4.0×, others stretch to 4.5× for higher earners or with smaller deposits. Indicative only. Lenders also assess credit score, deposit, existing debts, dependants, and stress-test affordability at higher interest rates. Your actual mortgage borrowing capacity will vary.
💑 Buying with a partner?
Open the joint household calculator →
Add your partner's take-home pay (from any UK take-home calculator in the network) to see your combined gross + net + joint mortgage borrowing capacity (4.0× to 4.5× combined gross).
Important Notes:
This calculator uses 2026/27 tax year rates (April 2026 - April 2027)
Scotland uses Scottish Income Tax rates (6 bands) and separate NHS pension tiers (SPPA)
Actual deductions may vary based on personal circumstances
This is for estimation purposes only - please verify with payroll
This calculator uses 2026/27 tax year rates (April 2026 - April 2027)
Scotland uses Scottish Income Tax rates (6 bands) and separate NHS pension tiers (SPPA)
Actual deductions may vary based on personal circumstances
This is for estimation purposes only - please verify with payroll
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Frequently Asked Questions
Does this calculator cover hospital doctors and GPs?
Yes — it covers all UK hospital doctor grades (Foundation Year 1 and 2, Internal Medicine Training, Core Training, Specialty Training ST1–ST8, SAS Specialty Doctor and Specialist, and Consultants) plus salaried GPs on the BMA model contract. GP partners (who receive a profit share rather than a salary) are not covered.
Which contracts and pay years does it use?
Hospital resident doctors in England are on the 2016 contract with 5 Nodal Points. Scotland still uses a 10-point grade structure; Northern Ireland uses the legacy 2002 contract; Wales is transitioning to a new spine system from 1 August 2026. Consultants use the 2003 / 2004 contracts. Pay figures are taken from the BMA's published pay scales.
How is the NHS Pension Scheme applied to doctors?
Doctors are members of the NHS Pension Scheme — 2015 CARE for most, with some senior doctors still on 1995 or 2008 sections. Contribution rates are tiered by pensionable pay and the tier boundaries match the Agenda for Change scheme. Switch between schemes in the Pension dropdown.
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Do doctors receive London Weighting?
Yes. Hospital doctors working in London-area NHS Trusts receive the High Cost Area Supplement (HCAS), the formal name for NHS London Weighting under Annex 8 of the NHS Terms and Conditions of Service handbook. 2026/27 rates:
Inner London: 20% of basic pay (capped £5,794–£8,746/year)
Outer London: 15% of basic (£4,870–£6,137)
Fringe: 5% of basic (£1,346–£2,270)
HCAS is pensionable. Select the relevant HCAS Zone in the "London Weighting (HCAS)" section to apply automatically. The same scheme applies to AfC staff and to doctors under the medical and dental contracts.
Inner London: 20% of basic pay (capped £5,794–£8,746/year)
Outer London: 15% of basic (£4,870–£6,137)
Fringe: 5% of basic (£1,346–£2,270)
HCAS is pensionable. Select the relevant HCAS Zone in the "London Weighting (HCAS)" section to apply automatically. The same scheme applies to AfC staff and to doctors under the medical and dental contracts.
Are weekend and night supplements included?
Not yet — the 2016 contract supplements (weekend allowance, 37% night enhancement, on-call availability, additional hours) are coming in a future update. For now the calculator handles basic pay, pension, tax, NI, student loan, salary sacrifice and professional fees only. Supplements that are typically pensionable (weekend allowance, on-call availability) and those that aren't (night enhancement, additional hours) will be modelled separately.
How does the calculator handle salaried GPs?
Select "Salaried GP" from the grade dropdown and pick Minimum or Maximum within the BMA model range. Adjust weekly hours below (default 40h = full-time hospital; GPs work in sessions of 4h 10m each, with 9 sessions/week being full-time on the BMA model). A dedicated sessions input is on the roadmap.
What tax rates apply in Scotland?
Scotland has its own income tax rates with 6 bands: Starter (19%), Basic (20%), Intermediate (21%), Higher (42%), Advanced (45%) and Top (48%). The thresholds differ from England/Wales/NI. National Insurance rates remain the same UK-wide. The calculator applies them automatically when Scotland is selected.
Is this calculator official?
No. This is an independent estimation tool. It is not affiliated with the NHS, NHS Employers, the BMA or any government body. Pay figures are taken from the BMA's public pay-scale pages — verify with your payroll department before relying on take-home figures for major financial decisions.
How does salary sacrifice affect my doctor pay?
Salary sacrifice reduces your gross pay before tax and National Insurance, saving you money. Many NHS Trusts offer salary-sacrifice schemes (lease car, cycle to work, additional pension, childcare vouchers). If your Trust payrolls benefits in kind, income tax is calculated on your pre-sacrifice salary while NI and pension use the post-sacrifice amount.
What student loan plan am I on?
Plan 1 is for English/Welsh students who started before September 2012, Plan 2 for those after. Plan 4 is for Scottish students, Plan 5 for English students from September 2023. Postgraduate loans are repaid alongside other plans. Each has different repayment thresholds and rates.
Are Annual Allowance / Lifetime Allowance issues modelled?
Not currently. Senior doctors should seek specialist financial advice on pension tax — Annual Allowance breaches around tax-free pension growth can produce large tax bills that this calculator does not model. The figures shown here represent income tax and NI on salary only.