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Tax year: 2025/26 & 2026/27 Jurisdiction: England medical and dental pay / UK PAYE with Scotland option Last verified: May 12 2026

NHS Medical & Dental Pay Calculator

Estimate take-home pay for NHS resident doctors, dentists, SAS doctors, salaried GPs and consultants in England. Choose your pay scale, rota supplements, pension, tax code and student loan plan to see a practical annual and monthly breakdown.

Calculate doctor or dentist take-home pay

Current default uses 2026/27 England medical and dental rates. Use exact salary override if your work schedule or contract has a different basic salary.

£

Use this for local contracts, pay protection or a work schedule figure.

%

100% is full time. Enter LTFT percentage if relevant.

Medical rota additions

£

Put annual nights, extra hours, LTFT allowance, flexible pay premia, additional PAs, clinical awards or rota totals in "Other annual additions" if they are not captured by the percentage controls.

Advanced rota details from your work schedule

Use this if your resident doctor work schedule shows weekly additional hours, night-duty hours, flexible pay premia or an LTFT allowance. Leave it closed if you already know one annual additions total.

Hours above the basic 40-hour week, paid at basic hourly rate.

Calculates the 37% night enhancement only.

£
£

Enter the annual LTFT allowance if it appears on your schedule.

Advanced rota additions: £0/year.
£ /month

Resident doctor rota enhancements are not always pensionable like basic pay.

£

Only used if custom basis is selected.

£ /month

BMA, GMC, indemnity, parking and similar deductions.

Student loans

If more than one undergraduate plan is selected, the calculator uses the lowest threshold once. Postgraduate Loan is added separately.

Current pay award

3.5%

For resident doctors, SAS doctors, consultants and salaried GPs in England from 1 April 2026.

Community dentists

3.75%

Salaried dentists in community dental services received a separate 2026/27 uplift.

Pension tiers

5.2%-12.5%

NHS member contribution rates depend on actual annual pensionable pay.

What this medical pay calculator is built for

NHS medical pay is not like a normal salaried job where one annual figure tells the whole story. A resident doctor might have a basic nodal salary, weekend allowance, night enhancement, on-call availability supplement, flexible pay premia, LTFT allowance and backdated arrears. A consultant might have a threshold salary, extra programmed activities, clinical awards, waiting-list work and local arrangements. Dentists and salaried GPs have their own national ranges. Then payroll still has to apply NHS pension contributions, PAYE, National Insurance, student loan deductions and post-tax subscriptions.

This calculator is therefore designed as a practical take-home pay estimator rather than a full work-schedule engine. It gives you the current national England pay-scale starting point, then lets you add the parts that are personal to your rota or contract. That makes it useful for checking whether a new rotation looks affordable, comparing a 2025/26 payslip with the 2026/27 uplift, or sense-checking the effect of pension, salary sacrifice and student loans.

If you are a nurse, midwife, paramedic, HCA, pharmacist on AfC, administrator, scientist or another Agenda for Change member of staff, use the NHS Agenda for Change pay calculator instead. If you want a more general PAYE estimate for non-NHS locum or private-sector employment, the take-home pay calculator is a better fit.

How this calculator works

Pay scales and rota money: the parts that matter

The 2026/27 award increased the main medical and dental pay ranges in England by 3.5% from 1 April 2026, with salaried dentists in community dental services receiving 3.75%. The calculator uses 2026/27 as the default because that is the current pay year on May 12 2026. It keeps 2025/26 available because many people still need to check arrears, August 2025 rotations, P60s or a previous work schedule.

Resident doctors and dentists in training are usually paid on nodal points rather than the old annual incremental scale. An FY1 is much simpler than a registrar rota because the basic pay is just the start. Weekend allowance can add 3% to 15% of basic salary depending on rota frequency. On-call availability is commonly 8% where the contract conditions apply. Night work and additional hours can add a lot more. If your work schedule gives one annual total, enter it in the additions box. If it gives weekly hours instead, open the advanced work-schedule section and let the calculator estimate additional hours and the 37% night enhancement.

Consultants are different. The pay threshold is only the core contract figure. Many real consultant payslips include additional programmed activities, clinical excellence or clinical impact awards, waiting-list initiatives, management allowances or local extra sessions. Those amounts are not automatically predictable from a job title, so this calculator asks you to enter them manually. That is less flashy than pretending to know your job plan, but much more honest.

Example England scale point 2026/27 2025/26
FY1 / Foundation Year 1 £40,190 £38,831
FY2 / Foundation Year 2 £45,994 £44,439
CT1-2 / ST1-2 / dental core training £54,499 £52,656
ST3-5 / registrar nodal point 4 £67,325 £65,048
ST6-8 / registrar nodal point 5 £76,582 £73,992
Specialty doctor 2021 contract - entry threshold £63,696 £61,542
Consultant 2003 contract - threshold 0-2 £113,565 £109,725
Consultant 2003 contract - threshold 14+ £150,570 £145,478
Salaried GP - minimum of range £78,699 £76,038

Worked example: an ST3 with a busy rota

Say an ST3 in England is checking a 2026/27 work schedule. Their basic nodal salary is £67,325. The rota has a 6% weekend allowance, an 8% on-call availability allowance and £6,500 of other annual enhancements for nights and additional rostered hours. Before tax, that puts the estimated gross figure around £80,750 before any salary sacrifice.

The calculator then applies the NHS pension tier to pensionable pay, deducts pension before Income Tax, calculates employee NI on gross pay after any salary sacrifice, and applies any student loan plan. If the doctor has a Plan 2 loan and a Postgraduate Loan, the Plan 2 deduction is 9% above its threshold and the postgraduate deduction is a separate 6% above £21,000. That is why medical take-home pay can feel lower than a headline work-schedule total suggests.

Common medical payslip traps

August rotations and tax codes

Resident doctors often change employer or lead employer during rotations. A missing P45, starter checklist mismatch or late payroll file can produce BR, 0T, W1 or M1 treatment. This calculator can model several codes, but HMRC and payroll records decide what is actually deducted.

Pension tiers can move

NHS pension contribution rates use actual annual pensionable pay. Extra pensionable additions can push you into a higher tier. That is normal, but it can make a pay award or new rota look smaller in take-home terms.

Professional fees are not salary deductions

GMC, BMA, royal college and indemnity costs are often paid from net pay or by direct debit. You may be able to claim tax relief for eligible professional fees through HMRC, but this calculator does not automatically decide eligibility.

Back pay distorts one month

Pay awards are often implemented with arrears. A back-pay month can have unusually high tax, NI, pension and student loan deductions even if the annual position is right. Use annual results for planning, not one unusual payslip.

Assumptions and what this calculator does not cover

This is an England national pay-scale calculator. It does not automatically calculate devolved Scotland, Wales or Northern Ireland medical pay scales, even though it can apply Scottish income tax if you tick the Scotland box. It also does not replace ESR, NHS payroll, a lead employer, HMRC or the official NHS pension record.

The calculator assumes that the basic salary, weekend allowance, on-call allowance and manual additions you enter are pensionable unless salary sacrifice is entered. Some locum bank work, waiting-list work, awards, expenses, mileage, relocation support, private practice income or locally agreed payments may be taxed, pensioned or reported differently. For broader non-NHS or private work, use the PAYE take-home pay calculator or speak to payroll.

It also does not model tapered annual allowance, pension annual allowance tax charges, scheme pays, clinical award pension interactions, old 1995/2008 section protections, McCloud remedy choices, non-domicile issues, self-employed private practice or partnership accounts. The pensionable-pay selector is included because resident doctor rota enhancements, SAS work and consultant programmed activities can be treated differently. If pensions are the main question, the pension contribution tax relief calculator can help with general tax-relief mechanics, but NHS defined-benefit pension decisions need scheme-specific advice.

FAQs

Does this calculator cover resident doctors, consultants and dentists?
Yes, it covers common England medical and dental national pay-scale routes: resident doctors and dentists in training, SAS doctors, consultants, salaried GPs and salaried dentists. It is still an estimate, because individual work schedules, awards, pay protection and local contracts can change pensionable pay.
Why might my NHS medical payslip differ from this estimate?
Medical payslips can differ because of rota-specific work schedules, backdated pay awards, August rotations, emergency tax codes, additional programmed activities, clinical awards, local pay protection, arrears, salary sacrifice, pension tier changes and payroll corrections.
How are resident doctor weekend and on-call supplements handled?
The calculator lets you enter weekend allowance and on-call availability as percentages of basic pay. The optional advanced work-schedule section can also estimate additional rostered hours, night enhancements, flexible pay premia and LTFT allowance.
Does NHS pension reduce Income Tax and National Insurance?
NHS pension contributions are normally taken under a net pay arrangement. The calculator deducts pension before Income Tax, but not before employee National Insurance. For resident doctors on the 2016 contract, many rota enhancements are not treated the same as basic pensionable pay, so the page includes a pensionable-pay basis selector.
Does it calculate clinical excellence awards or consultant extra PAs automatically?
No. Enter annual clinical awards, extra PAs, locum work or other taxable additions manually. Their pension treatment can differ, so the calculator explains the assumption rather than pretending every contract is identical.

Official sources

Last verified: May 12 2026. Calculations are estimates based on the published rules and assumptions shown on this page.

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