Answers · UK 2025/26
What is the take-home pay for an NHS doctor in the UK?
NHS doctor salaries 2025/26 (England): foundation year 1 (FY1) starts at £37,068 — net ~£28,500. Specialty doctor (£59,000-£95,000): net ~£44,000-£64,000. Consultant (£105,000-£140,000): net ~£68,000-£86,000. NHS Pension contributions 9.8-14.7% reduce take-home further.
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UK NHS doctor take-home 2025/26 (England). Foundation Year 1 (FY1) — £37,068 base + ~£3-£7k antisocial supplement. Take-home after IT (£4,886) + NI (£1,994) + NHS Pension (9.8% = £3,633) ≈ £26,555/year base or £30k+ with supplements. Foundation Year 2 — £42,990 + supplements; net ~£28,800 base. Specialty doctors / registrars (CT1-ST8): £59,175-£77,000 range; net ~£40-£52k base + supplements. Specialist grade (SAS doctor): up to £107,000. Consultants: £105,504 starting (basic), £140,000+ with experience and clinical excellence awards; net ~£68-£86k. GP partners: variable £80-£140k depending on practice profit. Locum agency rates: £450-£800/day depending on grade. NHS Pension Scheme 2015 (CARE — Career Average Revalued Earnings): 1/54th accrual rate, CPI+1.5% revaluation, NI-able. Contribution tiers: 9.8% (£28-43k), 10.7% (£43-50k), 12.5% (£50-87k), 13.5% (£87-115k), 14.7% (£115k+). Inner London weighting +20% — boosting all bands. The 2023/24 pay deal added 6% to many bands; 2025/26 settlement still under negotiation by junior doctors.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.