Doctor take-home pay calculator
Choose your grade for a starting figure, then adjust. We apply income tax, National Insurance and the NHS pension to show your real take-home — including the extra thresholds high earners hit.
A consultant on around £99,000 contributing 12.5% to the NHS Pension takes home roughly £60,552.40 a year in 2025/26 after tax, NI and pension. Above £100,000 the personal allowance taper creates a 60% effective rate — pension contributions are the usual way senior doctors manage it. Set your grade and pay below.
- Personal allowance
- £12,570 (tapers above £100k)
- Applies in
- England, Scotland & Wales supported
- Calculation
- NHS Pension via net-pay (reduces tax, not NI)
Basic pay only — excludes banding, on-call and additional NHS activity. Adjust the slider to your actual pensionable pay. Confirm your NHS pension tier at the NHS pension cost page.
Parsed as: 1257L (£12,570 allowance, England & NI)
Taken before tax — reduces your income tax, but not your NI.
Doctors, the £100k taper and pension tax
Junior and consultant pay runs through PAYE with the NHS Pension as a net-pay contribution. Two things bite harder for senior doctors: the £100,000 personal allowance taper (a 60% effective rate between £100,000 and £125,140), and the pension annual allowance, which can trigger tax charges on large pension growth. Both are commonly managed with additional pension contributions — model the effect by adjusting the pension figure above, and see how pension tax relief works.
Questions people ask
For others like you
Sources: NHS Pension Scheme contribution rates — NHSBSA · Income over £100,000 — gov.uk · Pension annual allowance — gov.uk