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?
Why might my NHS medical payslip differ from this estimate?
How are resident doctor weekend and on-call supplements handled?
Does NHS pension reduce Income Tax and National Insurance?
Does it calculate clinical excellence awards or consultant extra PAs automatically?
Official sources
Last verified: May 12 2026. Calculations are estimates based on the published rules and assumptions shown on this page.
- NHS Employers medical and dental pay circular 2026 - 2026/27 award and England medical and dental pay circular publication
- NHS Employers doctors and dentists pay award announcement 2026 - 3.5% medical and dental award and 3.75% community salaried dentist award from 1 April 2026
- NHS Employers Pay and Conditions Circular (M&D) 2/2025 - 2025/26 England pay scales and training contract allowances
- NHS Employers doctors and dentists in training terms and conditions 2016 - resident doctor rota pay, LTFT, weekend and on-call rules
- BMA resident doctors 2016 payslip guide - plain-English explanation of basic pay, night duty, weekends, on-call and flexible pay premia
- NHSBSA NHS Pension contribution rates from 1 April 2026 - member contribution tiers based on actual annual pensionable pay
- HMRC employer rates and thresholds 2026 to 2027 - PAYE and employee National Insurance thresholds
- GOV.UK student loan repayment guidance for employers - Plan 1, 2, 4, 5 and Postgraduate Loan thresholds from April 2026
- Scottish Government income tax rates and bands - Scottish income tax option for doctors resident in Scotland