NHS GP Take-Home Pay Calculator

See what a salaried GP or GP trainee actually takes home each year, month and week after Income Tax, National Insurance, NHS Pension and student loan, and what an extra £1,000 of gross pay is worth to you.

Not sure what to enter? Our NHS GP salary guide for 2026/27 explains the salaried range, partner drawings and GP trainee pay.

Your details

Type of GP

The BMA recommended range for a full-time (9 session) salaried GP in England is £78,699 to £118,759 for 2026/27. Your actual salary is agreed with your practice, so enter your own figure.

Extra pension paid from your pay before income tax, for example an AVC through payroll. Leave blank if none.

For example union or professional subscriptions taken from your net pay. Leave blank if none.

Your estimated take-home

Enter your annual gross pay to see your result

Salaried GP pay is agreed with your practice rather than set on a national scale, so we do not pre-fill a figure. The 2026/27 BMA recommended range for a full-time salaried GP is £78,699 to £118,759.

Assumptions

  • Tax year 2026/27, a full year in the same job.
  • Standard tax code (1257L, personal allowance £12,570), reduced above £100,000.
  • No other income, benefits in kind, marriage allowance or Gift Aid.
  • Employee Class 1 National Insurance on your gross pay.
  • NHS Pension and any additional pension are taken before income tax but not before National Insurance. Salary sacrifice is not modelled.
  • Student loan repayments are taken on gross pay. Pension does not reduce them.
  • GP partners, partnership profit sharing, super-partner arrangements and incorporation are not modelled.
  • An estimate only. Your payslip is the final word.

Short answer

On the published 2026/27 salaried GP range of £78,699 to £118,759, a salaried GP in England in the NHS Pension Scheme with no student loan takes home roughly £50,300 to £69,748 a year, or about £4,192 to £5,812 a month. This is a free estimate for salaried GPs and GP trainees. It does not calculate take-home pay for GP partners, whose income is taxed differently.

⚠An estimate, not tax advice

This tool gives a planning estimate using standard assumptions. It is not tax, pension or financial advice, and your payslip will differ if you have a different tax code, other income, salary sacrifice or benefits in kind. If your tax affairs are complicated, speak to an accountant or check your tax code with HMRC.

Worked example: the ends of the salaried GP range

These figures come from the calculator itself: England, NHS Pension Scheme, no student loan, standard tax code, a full-time year.

£78,699£118,759
Income tax£14,977£29,780
National Insurance£3,585£4,386
NHS Pension (12.5% and 12.5% tier)£9,837£14,845
Take-home per year£50,300£69,748
Take-home per month£4,192£5,812
Effective tax rate (tax plus NI)23.6%28.8%
Keep from an extra £1,000 gross£505.00£330.20

Salaried GP take-home pay by sessions a week

The BMA range of £78,699 to £118,759 is for a full-time (9 session) post, so we scale it pro rata. Monthly take-home, England, NHS Pension Scheme, no student loan, standard tax code, at the bottom, middle and top of the range:

Sessions a weekGross at the bottomMonthly take-homeGross at the middleMonthly take-homeGross at the topMonthly take-home
4 £34,977£2,198 £43,880£2,639 £52,782£3,096
5 £43,722£2,631 £54,849£3,216 £65,977£3,716
6 £52,466£3,109 £65,819£3,709 £79,173£4,212
7 £61,210£3,511 £76,789£4,111 £92,368£4,767
8 £69,955£3,824 £87,759£4,573 £105,564£5,322
9 £78,699£4,192 £98,729£5,035 £118,759£5,812

Your own salary is agreed with your practice, so use the calculator for your figure. The NHS Pension contribution rate steps up with pay (it is 12.5% at the bottom of the range and 12.5% at the top), which is why take-home does not rise in a straight line. Above £100,000 of taxable income the Personal Allowance is also reduced, so the top of the range keeps proportionally less of each extra pound.

GP partner take-home pay: why it is different

GP partners are self-employed, so there is no payslip. Profit is taxed through Self Assessment, with Class 4 National Insurance rather than the employee rate used here, tax is usually paid in two payments on account (January and July) plus a balancing payment, and NHS Pension contributions are assessed on certified pensionable profit. That is why this calculator does not give a partner figure rather than a misleading one. For the mechanics see GP partner drawings and NHS Pension for GPs explained, and speak to an accountant who works with practices.

What this calculator does and does not cover

It covers the two GP roles paid through payroll: salaried GPs and GP trainees (GPSTs). You enter your annual gross pay, where you pay tax, whether you are in the NHS Pension Scheme, any undergraduate and postgraduate student loan, and optionally extra pension or other deductions.

It does not calculate take-home pay for GP partners. Partners are self-employed, so their income is taxed through Self Assessment with self-employed National Insurance and different pension mechanics, and our shared pay engine has no self-employed model. Rather than show employee numbers that would be wrong for drawings, we say so. Partnership profit sharing, super-partner arrangements and incorporation are also out of scope. For how partner income and pension work, see GP partner drawings in our salary guide and NHS Pension for GPs explained.

Why trust this calculator

  • ✓ Uses the same tax, National Insurance, NHS Pension and student loan engine as our NHS Pay Calculator, and returns the same figure for the same gross pay
  • ✓ The salaried GP range and GPST pay come from our GP salary guide and shared pay data, with no invented partner average
  • ✓ Does not pre-fill a salaried GP salary, because the BMA range is a recommendation rather than a fixed scale
  • ✓ Declines to calculate GP partner take-home rather than applying employee National Insurance to self-employed income
  • ✓ Runs entirely in your browser. Your figures are calculated locally and are not sent to a server or saved
  • ✓ Figures for the 2026/27 tax year, last updated October 2026

Related guides & tools

NHS GP Salary 2026/27

The salaried GP range, partner drawings and GP trainee pay.

NHS Pension Calculator

See what your pension contributions build towards.

NHS Pay Calculator

Take-home pay for Agenda for Change bands.

NHS Doctors' Pay Explained

Resident doctor nodal points, consultant pay and GPST pay.

NHS Pension for GPs Explained

How pension works for salaried GPs and partners.

Annual Allowance Tax Charge Explained

Why a high-earning year can trigger a pension tax charge.

Frequently asked questions

How does this calculator work out my take-home pay? +
It takes your annual gross pay and applies the same 2026/27 Income Tax bands, Class 1 employee National Insurance, NHS Pension contribution tiers (the England and Wales tiers) and student loan thresholds used by our NHS Pay Calculator. Scotland and Northern Ireland have their own pension tiers, which this calculator does not model: their top rate is 12.7% against 12.5% in England and Wales. NHS Pension is taken before income tax, student loan repayments are taken on gross pay, and National Insurance is worked out on gross pay. It assumes a standard tax code (personal allowance of £12,570) and no other income. As a check, running the same gross pay through this tool and the NHS Pay Calculator gives the same take-home figure.
Why isn't my salaried GP salary pre-filled? +
Because there is no single salaried GP salary to pre-fill. The BMA publishes a recommended range for a full-time (9 session) salaried GP in England of £78,699 to £118,759 for 2026/27, but it is a model contract recommendation, not a fixed scale, and the actual figure is agreed with your practice. Enter your own contracted pay, or use the range minimum and maximum buttons to see the spread.
Can I use this if I'm a GP partner? +
No, and the calculator says so rather than guessing. A GP partner is self-employed and takes a share of practice profit as drawings, which is taxed through Self Assessment with self-employed National Insurance rather than the Class 1 employee National Insurance this tool uses. NHS Pension contributions for partners are also assessed on certified pensionable profit, not deducted from a payslip. Partnership profit sharing, super-partner arrangements and incorporation are outside what this tool models. Our GP salary guide explains how drawings work, and an accountant can give you a proper figure.
How much does the NHS Pension reduce my take-home pay? +
Less than the contribution itself, because it comes off your pay before Income Tax. Pay above £67,668 is in the top 12.5% contribution tier, which covers the whole salaried GP range. At the bottom of that range (£78,699, England), the pension contribution is £9,837 a year, but take-home pay is only £5,902 lower than with no pension, because of the income tax saved. That is a comparison of this year's pay only, and says nothing about the pension benefit you build.
What pay does the GP trainee option use? +
GP Specialty Training (GPST) trainees are resident doctors paid on the same nodal-point scale as other specialty trainees. The calculator pre-fills the published GPST1-2 basic pay for 2026/27 of £55,355 (the ST1-2/CT1-2 nodal point). Later training years sit slightly higher, and weekend, night and on-call pay (or banding supplements on the 2002 contract outside England) are added on top of basic pay, so if you know your total annual pay, type that in instead.
Why does my extra £1,000 sometimes look worth so little? +
It depends on where your pay sits. Higher-rate tax, National Insurance and any student loan all apply to the extra pay, and NHS Pension takes its share too. Once your taxable income passes £100,000, the personal allowance is reduced by £1 for every £2 over that level, which makes the effective rate higher than the headline tax band. The upper end of the salaried GP range can reach it, so it is worth checking. If an extra £1,000 would move you into a higher pension contribution tier, the calculator flags it, because the higher rate applies to your whole pensionable pay in the tier model we use.
How much does a salaried GP take home a month? +
It depends on sessions and salary. On the BMA recommended range, a full-time (9 session) salaried GP in England in the NHS Pension Scheme takes home about £4,192 to £5,812 a month with no student loan. At 6 sessions a week on the middle of the range it is about £3,709 a month. The table on this page shows 4 to 9 sessions.
What is a GP session and how does it affect pay? +
A session is a half-day block of work (about four hours; the exact definition is in your contract) and a full-time salaried GP in the BMA model contract works 9 sessions. Pay is pro rata, so 6 sessions is about two thirds of the full-time salary. Part-time GPs can also sit in a lower NHS Pension tier because their actual pay is lower.
Is the BMA salaried GP range binding on practices? +
No. It is a recommended range in the model contract, and your actual salary is agreed with your practice. That is why the calculator does not pre-fill a salaried salary: enter your own figure. The range shown on this page is for a full-time post in England in 2026/27.
Do salaried GPs pay into the NHS Pension? +
Yes, salaried GPs are employees and are normally members of the NHS Pension Scheme unless they opt out. Contributions come off pay before tax, at the tier for their pensionable pay. See our guide on NHS Pension for GPs, and use the NHS Pension Calculator to see what you build.