NHS resident doctors (formerly junior doctors) received a landmark pay settlement in 2023/24 ending years of industrial action. Under the new nodal pay structure, salaries include the 37% unsocial hours uplift within the contract rate. This guide shows FY1 to ST8 take-home pay after Income Tax, NI, NHS Pension and — for most — Plan 2 student loan repayments.
Nodal pay includes the 37% unsocial hours uplift. Actual pay depends on rota intensity (some rotas qualify for higher uplift). Take-home estimates include NHS Pension; student loan repayments not included.
| Grade | Basic salary | Nodal pay (37%) | NHS Pension rate | Est. take-home |
|---|---|---|---|---|
| FY1 | £36,616 | £41,750 | 9.8% | £2,457/mo |
| FY2 | £43,116 | £50,189 | 10.7% | £2,857/mo |
| ST1–ST2 (Core Training) | £51,017 | £55,329 | 10.7% | £3,061/mo |
| ST3–ST4 | £58,398 | £62,886 | 10.7% | £3,359/mo |
| ST5–ST6 | £64,050 | £69,254 | 12.5% | £3,506/mo |
| ST7–ST8 / Senior Registrar | £70,425 | £75,321 | 12.5% | £3,736/mo |
Most FY1 doctors also repay Plan 2 student loans (9% above £27,295 threshold) — deduct approximately £100–£200/month from these take-home figures. London weighting adds £330–£540/month gross.
Medical students typically accumulate £70,000–£120,000 in student debt. Most doctors who graduated 2006–2022 are on Plan 2 (repay 9% of income above £27,295). 2023+ entrants are on Plan 5(£25,000 threshold, 40-year repayment window).
| Grade / nodal pay | Plan 2 monthly repayment | Take-home after loan |
|---|---|---|
| FY1 (£41,750) | −£108/mo | £2,349/mo |
| FY2 (£50,189) | −£172/mo | £2,685/mo |
| ST3–4 (£62,886) | −£267/mo | £3,092/mo |