Junior, Consultants & GPs (2026/27)
Updated for 2026/27. Select your role, nation, and hours. See your take-home pay after tax, NI, and pension. For locum work, use the IR35 toggle to see inside vs outside payroll. Less-than-full-time? On-call payments are pro-rated automatically.
Select your role (Junior Doctor, Consultant, GP, Locum), nation, and hours. BMA pay scales, IR35 toggle, LTFT pro-rata on-call.
NHS Doctor Take Home Pay Calculator
Resident Doctors (FY1/FY2/CT/ST) · Consultants · SAS Doctors · all supplements & allowances. Pay and Conditions Circular (M&D) 1/2026 — NHS Employers 11 May 2026. 3.5% DDRB uplift April 2026.
Junior Doctor Pay Scales 2026/27, FY1, FY2, and Specialty Registrar
| Role | England | Scotland | Wales | Northern Ireland |
|---|---|---|---|---|
| FY1 (April 2026) | £35,309 | £37,187 | £36,629 | £35,704 ⚠ |
| FY1 (August 2026 entry) | £35,309 | £39,648 | £41,400 | £35,704 ⚠ |
| FY2 | £42,995 | ~£45,140 | £44,988 | £43,510 ⚠ |
| StR CT/ST1 | £45,716 | ~£47,999 | £47,946 | £46,274 ⚠ |
| StR ST3+ (max) | £69,976 | Pending addendum | £74,328 | £70,914 ⚠ |
Overtime banding
Banding 1A (50%), 1B (40%), 2A, 2B apply to eligible hours
On-call allowance
Monthly £ amount (pro-rated for LTFT)
Weekend allowance
For rostered weekend work
Night shift enhancement
37% enhancement for night shifts
Consultant Pay Scales 2026/27
| Nation | Minimum | Maximum | Notes |
|---|---|---|---|
| England | £113,565 | £150,570 | Plus Clinical Excellence Awards. Source: M&D 1/2026 |
| Scotland | £115,609 | £153,616 | Plus discretionary points. 3.75% applied to PCS(DD)2025/1, addendum pending |
| Wales | £114,099 | £166,585 | Plus Clinical Impact Awards. Source: M&D(W)01/2026 |
| Northern Ireland | £110,681 | £145,517 | Plus Clinical Excellence Awards. ⚠ 2025/26 figures, 2026/27 circular pending |
Clinical Excellence Awards (England/NI)
Local and national recognition schemes
Clinical Impact Awards (Wales)
N0 £10,500 to N3 £42,000
Discretionary points (Scotland)
£3,600 to £28,800
Management roles
Additional responsibility payments
Private practice
Varies by specialty
GP Salary 2026/27, Salaried General Practitioners
| Nation | Minimum | Maximum | Source |
|---|---|---|---|
| England | £78,699 | £118,759 | 3.5% uplift |
| Scotland | £80,054 | £119,486 | 3.75% uplift |
| Wales | £81,893 | £123,573 | 3.5% uplift confirmed |
| Northern Ireland | £77,140 | £116,406 | ⚠ 2025/26 figures, 2026/27 circular pending |
Specialty Doctor and Specialist Pay Scales 2026/27
| Role | England | Scotland | Wales | Northern Ireland |
|---|---|---|---|---|
| Specialty Doctor (min) | £63,696 | £66,564 | £64,292 | £61,542 ⚠ |
| Specialty Doctor (max) | £99,216 | £103,724 | £102,689 | £99,216 ⚠ |
| Specialist (min) | ~£103,000 | £104,653 | £104,401 | £100,870 ⚠ |
| Specialist (max) | ~£145,000 | £115,620 | £115,343 | £111,442 ⚠ |
Sources: England M&D 1/2026 · Scotland 3.75% applied to PCS(DD)2025/1 · Wales M&D(W)01/2026
Locum Doctor Take-Home Pay, with IR35 Toggle
✓ PAYE / Inside IR35
- Full tax and NI deducted at source
- Net pay shown in calculator
- No self-assessment needed for this income
- Pension calculated on pensionable pay
⚠ Outside IR35 / Limited Company
- No deductions at source
- Gross pay shown in calculator
- Tax paid via self-assessment
- Consult an accountant for your exact liability
| Field | Input | Notes |
|---|---|---|
| Hourly rate | £ (per hour) | Your locum hourly rate |
| Hours per week | Number | Average weekly hours |
| Nation | England/Scotland/Wales/NI | Affects tax and NI |
| IR35 status | PAYE / Outside IR35 | See toggle above |
Less than Full-Time, On-call Payments Pro-rated Automatically
If you work less than full-time, your on-call allowance is automatically prorated based on your contracted hours.
Actual on-call = Entered on-call × (Contracted hours ÷ 37.5)
| Contracted hours | WTE | Entered on-call | Actual on-call |
|---|---|---|---|
| 37.5 | 1.00 | £400 | £400 |
| 30.0 | 0.80 | £400 | £320 |
| 22.5 | 0.60 | £400 | £240 |
Pay Protection for Doctors Affected by Contract Changes
Some doctors receive pay protection following contract changes in the following:
How it works:
- When toggled ON, you can override the auto-populated salary with your actual protected salary
- The calculator applies standard tax, NI, and pension to your protected pay
Related Calculators
NHS Take Home Pay Calculator
For AfC staff (nurses, AHPs)
→ Part-TimeNHS Part-Time Pay Calculator
Pro-rata with WTE at two decimal places
→ ScotlandNHS Scotland Take-Home Pay
Scottish tax bands (S-prefix)
→ LondonNHS London Take-Home Pay
HCAS caps, not pensionable
→ Pay RiseNHS Pay Rise Calculator
See take-home after pay awards
→ PensionNHS Pension Calculator
See your employer’s 23.7% contribution
→ MaternityNHS Maternity Pay
52-week breakdown for doctors
→ Back PayNHS Back Pay Calculator
What you’ll actually receive from arrears
→Frequently Asked Questions
Everything you need to know about NHS doctor take-home pay, BMA pay scales, IR35, and LTFT.
An FY1 doctor in England will earn a basic of £35,309 from April 2026. Take-home is approximately £2,234 per month after tax, NI, and pension. In Scotland, FY1 doctors starting from August 2026 earn £39,648, the highest FY1 salary of any UK nation.
Junior doctor pay ranges from £35,309 (FY1) to £69,976 (StR ST3+ max) in England for 2026/27. Source: M&D 1/2026, 3.5% uplift from 1 April 2026. Scotland, Wales, and Northern Ireland have different scales; select your nation in the calculator above.
Consultant basic salaries range from £113,565 to £150,570 in England for 2026/27, plus Clinical Excellence Awards. Top earners with awards can exceed £160,000. Source: M&D 1/2026, 3.5% uplift.
Salaried GPs earn between £78,699 and £118,759 in England for 2026/27. Independent contractor GPs (partnerships) can earn significantly more, typically £100,000 to £150,000+.
Enter your hourly rate and hours per week. Use the IR35 toggle: PAYE/Inside IR35 shows full tax and NI deducted — you receive net pay. Outside IR35 shows no deductions — gross pay shown, tax paid via self-assessment.
Your basic pay is pro-rated based on your contracted hours. On-call payments are also prorated automatically. Use the calculator above to see your exact take-home.
Overtime banding supplements apply to eligible hours: 1A (50% supplement, most on-call heavy), 1B (40% supplement), 2A / 2B (lower supplements). Select your banding in the Junior Doctor tab.
Yes. Select London in the region dropdown. HCAS (London weighting) is added to your basic pay, but like all NHS staff, it is not pensionable.
Select Scotland in the nation dropdown. The calculator applies Scottish income tax bands (6 bands: Starter 19% to Top 48%) while keeping UK national insurance rates.
Specialty doctors earn from £63,696 in England for 2026/27, rising to £99,216 at the top. Use the calculator above for your exact grade and nation.
Yes. Overtime is taxed at your marginal rate. For Agenda for Change staff, overtime is not pensionable. For doctors under BMA contracts, pensionability of additional work varies by contract type and payment route; check your specific contract terms or speak to your payroll department.
Student loan thresholds for 2026/27: Plan 1 £26,065, Plan 2 £29,385, Plan 5 £25,000, and Postgrad £21,000. Plan 4 (Scotland): £33,795 confirmed effective 6 April 2026.
England: M&D 1/2026 (11 May 2026) | Wales: M&D(W)01/2026 (5 May 2026) | Scotland: PCS(DD)2026/1 (26 March 2026) | ⚠ NI: 2025/26 figures, monitor health-ni.gov.uk