Junior Doctor Take-Home Pay
The short answer
A resident (junior) doctor takes home £28,434 to £47,924 a year — £2,369.51 to £3,993.66 a month — after income tax, National Insurance and pension contributions.
2026/27 Resident Doctor Pay Scale (England — Nodal Points)
| Grade / Nodal Point | Annual Basic | Monthly |
|---|---|---|
| F1 (Nodal Point 1) | £38,831 | £3,235.92 |
| F2 (Nodal Point 2) | £44,439 | £3,703.25 |
| Core / IMT / ST1–2 (Nodal Point 3) | £52,656 | £4,388.00 |
| ST3–5 (Nodal Point 4) | £65,048 | £5,420.67 |
| ST6+ (Nodal Point 5) | £73,992 | £6,166.00 |
Take-Home Pay After Tax, NI and Pension
| Pay Point | Gross | Pension | Tax | NI | Net | Monthly |
|---|---|---|---|---|---|---|
| Foundation Year 1 | £38,831 | £3,805 | £4,491 | £2,100 | £28,434 | £2,369.51 |
| Foundation Year 2 | £44,439 | £4,355 | £5,503 | £2,549 | £32,032 | £2,669.35 |
| Core training CT1-CT2 | £52,656 | £5,160 | £6,985 | £3,063 | £37,447 | £3,120.62 |
| Specialty registrar ST3-ST5 | £65,048 | £6,960 | £10,667 | £3,311 | £44,110 | £3,675.82 |
| Specialty registrar ST6+ | £73,992 | £9,249 | £13,329 | £3,490 | £47,924 | £3,993.66 |
Basic pay by nodal point. Most resident doctors earn more than this through enhanced hours, weekend allowances and on-call availability, all of which depend on the rota. The NHS Pension contribution is deducted before income tax is calculated.
Check your own figure
Junior doctor (now officially renamed resident doctor in the NHS) refers to all training-grade doctors from F1 through ST8. The 2016 hospital doctor contract uses five Nodal Points for basic pay, reflecting seniority rather than year of graduation.
Total take-home pay depends on a lot more than basic. The 2016 contract supplements are usually substantial:
- Weekend allowance: 3.75%–15% of basic depending on weekend frequency (pensionable)
- Night enhancement: +37% on basic hourly for hours worked 9pm–7am (non-pensionable)
- On-call availability: 3% non-resident / 8% resident (pensionable)
- Additional hours: paid at basic hourly rate for hours worked above contracted 40hr/week (non-pensionable)
- London weighting: flat annual supplement if applicable (non-pensionable)
NHS Pension contributions are tiered by pensionable pay (5.2%–12.5% in England for 2026/27). Income tax and NI follow standard UK rates. The calculator works out all of this in one go — select your grade, country, and tick the supplements section to model your full pay package.