Foundation Year 1 (F1) Salary

£38,831
2026/27 — Nodal Point 1, 2016 hospital doctor contract
Calculate Your Take-Home Pay

The short answer

A Foundation Year 1 doctor takes home £28,434 a year — £2,369.51 a month — after income tax, National Insurance and pension contributions.

F1 Pay (2016 contract, England)

Pay PointAnnualMonthly
Nodal Point 1£38,831£3,235.92

F1 Pay (2016 contract, England)

Pay PointGrossPensionTaxNINetMonthly
Nodal Point 1£38,831£3,805£4,491£2,100£28,434£2,369.51

Basic pay only. Almost every F1 earns more than this through enhanced pay for nights, weekends and on-call, which depends on the rota and is not included. The NHS Pension contribution is deducted before income tax.

Check your own figure

Foundation Year 1 is the first year of practice after medical school, and it sits on nodal point 1 of the 2016 contract at £38,831. The nodal point system replaced the old incremental scales: pay steps at defined training milestones rather than annually, so an F1's basic pay does not change during the year.

Basic pay is the smaller part of the story for most F1s. The 2016 contract adds enhanced pay for night shifts, weekend frequency and on-call availability, and the total depends entirely on the rota. Two F1s at the same trust on different rotas can take home materially different amounts on identical basic pay.

The NHS Pension contribution matters more than doctors often expect. At £38,831 an F1 falls in the 9.8% tier, and because the tiers are banded rather than marginal the rate applies to the whole of pensionable pay. It is deducted before income tax, so the real cost in take-home is lower than 9.8% of gross.

One practical note for new F1s: your first payslip rarely matches the monthly figure below. Pay usually starts part way through a month, tax codes are often wrong initially while HMRC catches up with a new employment, and the pension deduction may lag by a cycle. It generally settles by the third month, and any overpaid tax comes back automatically through PAYE.

Frequently Asked Questions

What is the F1 salary in 2026/27?
£38,831 basic, which is nodal point 1 of the 2016 contract in England. Most F1s earn above this through enhanced pay for nights, weekends and on-call, which varies by rota.
How much does an F1 take home a month?
Around £2,370 a month on basic pay alone, after a 9.8% NHS Pension contribution, income tax and National Insurance. The table above shows the full breakdown.
Does F1 pay increase during the year?
No. The nodal point system sets one basic rate for the whole of F1; pay steps when you progress to F2 rather than on an annual increment.
What NHS Pension tier is an F1 in?
The 9.8% tier, which covers pensionable pay from £35,156 to £52,778. The tiers are banded rather than marginal, so the rate applies to all pensionable pay, not just the part above the threshold.
Is F1 pay the same across the UK?
No. Scotland, Wales and Northern Ireland have separate contracts and pay scales, and Scottish taxpayers also pay Scottish income tax rates. The calculator covers all four.
Do F1 doctors pay higher-rate tax?
Not on basic pay. At £38,831 an F1 is comfortably inside the basic-rate band, which runs to £50,270. Enhanced pay for nights and weekends can push total earnings over that threshold, at which point the excess is taxed at 40%.
How does the NHS Pension affect an F1's take-home?
The 9.8% contribution comes out of gross pay before income tax is calculated, so £3,805 of contribution reduces take-home by roughly £3,045 rather than the full amount. National Insurance is still charged on the whole gross figure.
Is it worth opting out of the NHS Pension as an F1?
Almost never. The employer contribution is worth substantially more than the member rate, and opting out forfeits it entirely along with the death-in-service and ill-health benefits. The calculator lets you model both so you can see the difference rather than guess at it.

Stay up to date with doctor pay

Get notified when new BMA / DDRB pay awards, NHS pension tiers and tax/NI thresholds are released. No spam, unsubscribe anytime.

Doctor pay by grade

Topics