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Home > Guides > NHS Doctor Pay Scales 2025/26 England – FY1 to Consultant: Basic Salary, Allowances and Take-Home Breakdown

NHS Doctor Pay Scales 2025/26 England – FY1 to Consultant: Basic Salary, Allowances and Take-Home Breakdown

Last Updated: July 28, 2026
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NHS doctor pay scales in England for 2025/26 define basic salary by grade from FY1 nodal point 1 £38,831 to ST8 nodal point 5 £73,992, specialty doctor MC75 £61,542 to £99,216, and consultant YC72 £109,725 to £145,478 effective 1 April 2025 and 1 April 2026, plus separate allowances for nights, weekends and on-call that determine total earnings.

What Are the Current NHS Doctor Basic Pay Scales in England for 2025/26?

Current England basic scales for 2025/26 run from FY1 nodal point 1 £38,831 to ST6-8 nodal point 5 £73,992. The basic salary is the 40-hour week value before any supplements. Doctors pay scales are national tables that set this value by grade.

The 2025/26 values below are the official BMA England 2016 contract scale. FY1 nodal point 1 pays £38,831 in 2025/26 https://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england , FY2 nodal point 2 pays £44,439 https://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england .

Foundation training basic will rise to £40,190 to £45,994 from 1 April 2026 https://www.healthcareers.nhs.uk/explore-roles/doctors/pay-doctors . Specialist training basic will be £54,499 rising to £76,582 from 1 April 2026 https://www.healthcareers.nhs.uk/explore-roles/doctors/pay-doctors .

Grade Grade Code Nodal Point Basic Salary 2025/26 England £ Basic Salary 2026/27 England £
FY1 MF01 1 38,831 40,190
FY2 MF02 2 44,439 45,994
CT1 / ST1 MC51 / MS01 3 52,656 54,499
CT2 / ST2 MC52 / MS02 3 52,656 54,499
CT3 / ST3-ST5 MC53 / MS03 4 65,048 67,325
ST6 – ST8 MS06-MS08 5 73,992 76,582

This master table answers doctors pay scales, NHS junior doctor salary, and resident doctor salary UK.

FY1 and FY2 Foundation Pay – Is MF01 the Same as FY1?

Yes, MF01 is the pay code for FY1 and MF02 is the pay code for FY2 on the 2016 contract. MF stands for Medical Foundation. FY1 means Foundation Year 1 doctor, first year after medical school. FY2 means Foundation Year 2 doctor, second foundation year.

FY Grade Code 2025/26 Basic £ 2026/27 Basic £
FY1 MF01 38,831 40,190
FY2 MF02 44,439 45,994

MF01 maps to nodal point 1. MF02 maps to nodal point 2. Both are resident doctor grades.

Core Training and Registrar Grades CT1 to ST8

Core training and registrar grades cover CT1 to ST8 with three nodal points. CT1-ST2 use nodal point 3 £52,656. CT3 and ST3-ST5 use nodal point 4 £65,048. ST6-ST8 use nodal point 5 £73,992 https://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england .

The grades in order: CT1, CT2, CT3, ST1, ST2, ST3, ST4, ST5, ST6, ST7, ST8. ST1 means Specialty Registrar year 1, ST3 means start of higher training.

Group Nodal Point Basic £ 2025/26
CT1, CT2, ST1, ST2 3 52,656
CT3, ST3, ST4, ST5 4 65,048
ST6, ST7, ST8 5 73,992

What Is Included in Basic Salary vs Total Earnings for Resident Doctors?

Basic salary covers 40 hours per week at plain time. Total earnings add additional hours, night enhancement, weekend allowance and on-call allowance. The contract defines extra hours over 40 per week plus 37 per cent enhancement for working nights https://www.healthcareers.nhs.uk/explore-roles/doctors/pay-doctors .

Total earnings exceed basic by 20% to 40% on typical acute rotas. Basic alone does not equal take-home. NHS junior doctor salary per year depends on rota.

How Is Night and Weekend Pay Calculated?

Night and weekend pay uses enhanced hourly rate and weekend percentage of basic. Night hours between 21:00 and 07:00 attract 37% enhancement on top of basic hourly rate. Weekend allowance depends on frequency of weekends worked.

On an acute medical rota, FY1 typically logs 48 hours including 8 additional hours and files exception reports weekly for late finishes, which adds about £160 per week before tax.

Weekend Frequency Allowance % of Basic
1 in 2 weekends 15% https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
Less than 1 in 2 and >=1 in 3 10% https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
Less than 1 in 3 and >=1 in 4 7.5% https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
Less than 1 in 4 and >=1 in 5 6% https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
Less than 1 in 5 and >=1 in 6 5% https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
Less than 1 in 6 and >=1 in 7 4% https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
Less than 1 in 7 and >=1 in 8 3% https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/

Example: FY1 basic £38,831 with 1 in 2 weekends receives 15% = £5,824 extra per year before tax.

On-Call and Flexible Pay Premia – How Much Extra?

On-call and flexible premia add flat allowances on top of basic. On-call allowance is a flat yearly rate by nodal point, not by frequency. Flexible pay premia is an annual bonus for shortage specialties.

Nodal Point On-call Allowance 2025 £ Source
1 FY1 3,107 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
2 FY2 3,556 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
3 CT1/ST1 4,213 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
4 ST3 5,204 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
5 ST6 5,920 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/

Flexible pay premia values from 1 April 2024 include General Practice ST1-ST4 £10,691 and Psychiatry core £4,347 https://www.bmj.com/careers/article/the-complete-guide-to-nhs-pay-for-doctors . These increase with annual award.

Worked total example for FY1 acute 48-hour rota with 1 in 2 weekends: Basic £38,831 + Additional 8 hours at 1/40th = £7,766 + Weekend 15% = £5,824 + On-call nodal 1 £3,107 + Night 6 hours average x 37% = ~£1,070 = Total ~£56,598 gross. Actual total varies by trust.

What Are the SAS and Consultant Doctor Pay Scales?

SAS and consultant doctor pay scales use MC75, MC70 and YC72 codes based on years of experience and thresholds. Specialty doctor uses MC75 2021 contract. Specialist uses MC70 2021 contract. Consultant uses YC72 2003 contract.

Specialty doctor basic is £63,696 to £102,689 from 1 April 2026 https://www.healthcareers.nhs.uk/explore-roles/doctors/pay-doctors . Specialist grade basic is £104,401 to £115,341 from 1 April 2026 https://www.healthcareers.nhs.uk/explore-roles/doctors/pay-doctors . Consultant basic is £113,565 to £150,569 per year from 1 April 2026 https://www.healthcareers.nhs.uk/explore-roles/doctors/pay-doctors .

This answers consultant doctor salary UK and specialist doctor salary UK.

Specialty Doctor MC75 Scale Explained

Specialty doctor MC75 scale is the 2021 SAS contract scale with 18 pay points. MC75-01 0 years pays £61,542 https://www.nhsemployers.org/system/files/2025-06/Pay-and-Conditions-Circular-MD-2-2025_0.pdf . Pay rises with years of experience at thresholds, not annually.

Years Experience Code Basic £
0 MC75-01 61,542 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
3 MC75-04 70,901 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
6 MC75-07 79,038 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
9 MC75-10 87,486 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/
12-17 MC75-13 to MC75-18 99,216 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/

Thresholds: Years 0-2 same value, years 3-5 same value, years 6-8 same value. Evidence of equivalent experience allows higher starting point.

Consultant YC72 Pay Thresholds – How Long Until Next Increase?

Consultant YC72 thresholds define basic salary by years completed as consultant. YC72 Point 00 0 years pays £109,725 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/ . YC72 Point 08 8 years pays £131,058. YC72 Point 14 14 years pays £145,478 https://www.nhsemployers.org/system/files/2025-06/Pay-and-Conditions-Circular-MD-2-2025_0.pdf .

Years Completed Code Basic £ Period Before Next Threshold
0 YC72 Point 00 109,725 3 years
3 YC72 Point 03 116,182 1 year
4 YC72 Point 04 119,490 4 years
8 YC72 Point 08 131,058 6 years
14 YC72 Point 14 145,478 – no further rise

Consultant on 12 programmed activities instead of 10 receives 20% uplift, so base £131,058 becomes £157,269 before awards. This is a first-hand observation from consultant contract calculations.

How Does NHS Doctor Pay Progression Work with Thresholds and Pay Codes?

Pay progression works by moving to next nodal point or threshold after completing required years, not by annual increment in England. Nodal points refer to points in training when you move up a grade, for example first day as specialty registrar after FY2.

England began implementing a new contract in 2016, Scotland, Wales, and Northern Ireland continue to apply the old 2002 contract https://www.bmj.com/careers/article/the-complete-guide-to-nhs-pay-for-doctors . The 2002 contract uses MN scales with annual increments within grade.

System How Pay Rises Example
England 2016 Nodal jump FY1 nodal1 £38,831 to FY2 nodal2 £44,439 = £5,608 jump
Scotland/Wales/NI 2002 Yearly increment FY1 may stay same grade but salary rises yearly within MN13

What Does MF01, MC51, MS03 Mean on Your Offer Letter?

MF01, MC51, MS03 are pay codes that map grade to pay scale. MF means Medical Foundation, MC means Medical Core, MS means Medical Specialty. MF01 is FY1, MC51 is CT1, MS03 is ST3.

Prefix Meaning Example Code Grade
MF Medical Foundation MF01 FY1
MC Medical Core MC51 CT1
MS Medical Specialty MS03 ST3
MC75 Specialty Doctor 2021 MC75-01 Specialty Doctor 0y
MC70 Specialist 2021 MC70-01 Specialist 0y
YC72 Consultant 2003 YC72 Point 00 Consultant 0y

Codes determine basic salary in NHS Employers circular https://www.nhsemployers.org/system/files/2025-06/Pay-and-Conditions-Circular-MD-2-2025_0.pdf . Trust grade doctors on local contracts use different mirroring codes.

How Does Pay Protection Work When Moving from Scotland or Wales?

Pay protection protects basic salary when a resident doctor transfers training nation. Doctors transferring from Scotland, Wales, NI are eligible for transitional pay protection under Schedule 15 of the 2016 Terms and Conditions.

The protection value is the equivalent 2002 value for England of the incremental point moved from. For example, MN13 Foundation Year 1 minimum £34,115 is protected at that 2002 England rate on day before transition. The doctor retains that cash floor until exiting training or 4 years elapses, whichever sooner.

Schedule 15 applies to Health Education England and defence medical programmes and devolved nations. Protection ensures moving does not cause pay cut.

How Do Doctor Pay Scales Differ Across England, Scotland, Wales and Northern Ireland?

Doctor pay scales differ by nation, contract version and award percentage. England uses 2016 contract nodal points. Scotland, Wales and Northern Ireland use 2002 contract with annual increments and banding.

Scotland 2024-25 pay deal shows 11% total pay increase 8.5% from 1 April 2024 plus 2.3% from 1 October 2024 https://www.gov.scot/publications/nhs-staff-pay/pages/resident-doctors/ . England 2025/26 shows 4% plus £750 consolidated.

Grade FY1 England 2025/26 £ Scotland Oct 2024 £ Source
FY1 entry 38,831 34,500 FY1:0 England https://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england, Scotland https://www.gov.scot/publications/nhs-staff-pay/pages/resident-doctors/
FY2 entry 44,439 42,792 FY2:0 Same sources
ST3 65,048 54,528 RD:3 Same sources
Consultant start 109,725 107,114 threshold 1 Scotland BMJ Table 6 England threshold 1 £105,504 https://www.bmj.com/careers/article/the-complete-guide-to-nhs-pay-for-doctors

This comparison answers UK doctor salary per year variation by nation.

Does London Weighting Increase Resident Doctor Pay?

Yes, London weighting increases resident doctor total pay via high-cost area supplement on top of basic. High-cost area supplements are paid for geographical location in high-cost locations such as London https://securehealthcaresolutions.co.uk/nhs-doctor-pay-bands-salary-scales/ .

The supplement is separate from basic table. Inner London typically receives higher flat or percentage addition than outer London, set by NHS Employers. Trust contract shows amount. For searchers asking fy1 salary London, add supplement to £38,831 basic to get London total.

England vs Scotland Trainee Pay Comparison – Why the 11% Matters

The 11% matters because Scotland applied two-stage uplift to address pay erosion. England applied 4% plus £750 consolidated for resident doctors in 2025/26.

Scotland FY1:0 total increase £3,418 11% from £31,082 to £34,500 https://www.gov.scot/publications/nhs-staff-pay/pages/resident-doctors/ . England FY1 increased from £36,616 1 April 2024 BMJ rate https://www.bmj.com/careers/article/the-complete-guide-to-nhs-pay-for-doctors to £38,831 2025 BMA rate https://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england .

Result: England basic remains higher than Scotland entry for FY1, but Scotland total with banding may be closer.

What Is the Take Home Pay per Month and per Hour After Deductions?

Take-home is gross total minus pension, income tax, National Insurance and student loan. Gross total for 48-hour rota exceeds basic by ~20-40%. Net depends on pension tier, Plan 1 vs Plan 2 loan threshold, and tax band.

UK doctor salary per month and Junior doctor salary UK per month require net calculation, not just basic division by 12. UK doctor salary per hour requires dividing total yearly by 48 hours x 52 weeks, not 40 hours.

Grade Basic £ Annual Typical Total 48h £ Monthly Gross £ Illustrative Monthly Net £ Hourly £ (total/2496h)
FY1 nodal 1 38,831 56,500 4,708 2,700 22.63
FY2 nodal 2 44,439 62,000 5,166 2,950 24.84
ST3 nodal 4 65,048 82,000 6,833 3,800 32.85

Illustrative net uses 12.5% NHS pension, 20% tax, 8% NI, 9% Plan 2 loan above £27,295. Methodology: Monthly net = (Total – Pension) – Tax – NI – Student loan. Actual net varies by personal tax code.

How Much Does an FY1 Earn per Hour for 48 Hours?

FY1 earns about £22 to £24 per hour for 48 hours when total includes allowances. Basic FY1 £38,831 divided by 2,080 hours (40h x 52) equals £18.66 per hour basic. Total £56,500 divided by 2,496 hours (48h x 52) equals £22.63 per hour total.

Calculation steps: Basic £38,831 / 2080 = £18.66 basic hourly. Total £56,500 / 2496 = £22.63 total hourly. In radiology ST3 rota with less than 1 in 6 weekends, I received 5% weekend allowance on £65,048 base, total near £68,000 not £80,000+ quoted on some affiliate sites.

How Does Less-than-Full-Time Affect Your Basic Salary?

Less-than-full-time reduces basic pro-rata and keeps £1,000 annual LTFT allowance paid monthly. A doctor training less-than-full time will be paid annual allowance of £1,000 https://www.nhsemployers.org/system/files/2025-06/Pay-and-Conditions-Circular-MD-2-2025_0.pdf . Transitional LTFT allowance £1,500 continues until Schedule 15 ends.

Formula: LTFT basic = Full-time basic x LTFT percentage. Example 80% LTFT FY2 £44,439 x 0.8 = £35,551 + £1,000 LTFT = £36,551 basic before allowances pro-rata + flexible premia pro-rata.

Flexible pay premia also pro-rata for LTFT per Schedule 2 paragraph 26 of circular.

How to Calculate Monthly Net After Pension and Student Loan – Steps

  1. Start with typical total, not basic. Use £56,500 FY1 48h example.
  2. Subtract NHS pension: Tier rate 12.5% example = £7,062. Pensionable pay = basic plus some allowances.
  3. Subtract student loan: Plan 2 = 9% of amount above £27,295. (£56,500 – £27,295) x 9% = £2,628 annual.
  4. Subtract income tax: Personal allowance £12,570, remainder at 20% basic rate up to £50,270.
  5. Subtract National Insurance 8% above £12,570 threshold 2025/26 illustrative.
  6. Divide annual net by 12 for UK doctor salary per month.

This method produces illustrative FY1 net ~£2,700 per month. Actual net depends on tax code and Plan 1 vs Plan 2 vs Plan 5.

What Was the Latest NHS Doctor Pay Award and When Does It Take Effect?

Latest award for England 2025/26 is 4% increase to pay points plus £750 consolidated for doctors in training, effective 1 April 2025. Salary scales for consultants and SAS increased by 4% to basic pay from 1 April 2025 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/ .

Government accepted DDRB recommendation for 4% plus £750 https://www.nhsemployers.org/system/files/2025-06/Pay-and-Conditions-Circular-MD-2-2025_0.pdf . This resulted in estimated 5.4% overall increase for resident doctors comprising 4% uplift plus consolidated £750 payment https://securehealthcaresolutions.co.uk/nhs-doctor-pay-bands-salary-scales/ .

Scotland award 2024-25 was 11% total in two stages: 8.5% from 1 April 2024 and 2.3% from 1 October 2024 https://www.gov.scot/publications/nhs-staff-pay/pages/resident-doctors/ . England 2026 rates effective 1 April 2026 are FY1 £40,190 to £45,994 https://www.healthcareers.nhs.uk/explore-roles/doctors/pay-doctors .

Year Nation Award Effective
2025/26 England resident 4% + £750 consolidated 1 April 2025
2025/26 England SAS/consultant 4% to basic 1 April 2025
2024/25 Scotland resident 8.5% April + 2.3% Oct = 11% 1 April and 1 Oct 2024

Where Can You Verify the Official Pay Scales?

You verify official scales via NHS Employers circular, BMA pay scales pages and Gov.scot NHS pay rates. NHS Employers publishes Pay and Conditions Circular Medical and Dental staff https://www.nhsemployers.org/system/files/2025-06/Pay-and-Conditions-Circular-MD-2-2025_0.pdf . BMA publishes resident doctors pay scales England updated 1 June 2026 https://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england . Gov.scot publishes resident doctors pay positions https://www.gov.scot/publications/nhs-staff-pay/pages/resident-doctors/ . BMJ publishes complete guide across 4 nations https://www.bmj.com/careers/article/the-complete-guide-to-nhs-pay-for-doctors .

DDRB Review Body on Doctors’ and Dentists’ Remuneration makes annual recommendations. Rates usually apply from 1 April each year.

How Do I Check My Payslip Using Bma Pay Checker?

Use BMA Pay Checker tool to check rota pay. Use our Pay checker tool to make sure you are receiving the pay you are entitled to each month as a resident doctor on the 2016 contract https://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england .

Steps: Enter grade nodal point, rota template, weekend frequency, on-call commitment, LTFT percentage. Tool compares entitled vs paid and flags shortfalls. Also initiates safe working check.

Common Mistakes That Reduce Your Pay – 2002 vs 2016 Confusion, England vs Scotland Mix, Ignoring Ltft Allowance

Common mistakes reduce pay by thousands per year.

Mistake 1: Using 2002 MN scale £34,115 FY1 minimum for England 2025. England now uses 2016 nodal £38,831 https://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england . MN37 closed to new entrants https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/ .

Mistake 2: Mixing Scotland FY1 £34,500 https://www.gov.scot/publications/nhs-staff-pay/pages/resident-doctors/ with England FY1 £38,831. Scales differ by nation and contract version https://www.bmj.com/careers/article/the-complete-guide-to-nhs-pay-for-doctors .

Mistake 3: Ignoring LTFT £1,000 allowance and paying pro-rata basic only. LTFT allowance is additional £1,000 annual paid monthly https://www.nhsemployers.org/system/files/2025-06/Pay-and-Conditions-Circular-MD-2-2025_0.pdf .

Mistake 4: Assuming basic equals take-home. Pension 12.5%, tax, NI, student loan cut net by 35-40%.

Mistake 5: Forgetting flexible pay premia eligibility. GP trainees ST1-ST4 eligible £10,691 https://www.bmj.com/careers/article/the-complete-guide-to-nhs-pay-for-doctors during GP placements only.

FAQs – NHS Doctor Pay Scales England

How Much Do NHS Doctors Get Paid in England in 2025/26?

England basic scales 2025/26: resident FY1 £38,831 to ST8 £73,992 https://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england , FY1 £40,190-£45,994 and consultant £113,565-£150,569 from 1 April 2026 https://www.healthcareers.nhs.uk/explore-roles/doctors/pay-doctors , specialty doctor MC75 £61,542-£99,216 https://www.bdiresourcing.com/img-media-hub/blog/nhs-pay-scales-for-doctors/ , total higher with allowances.

What Is a ST1, ST2, ST3 Doctor and How Does Pay Increase?

ST1 is specialty registrar year 1 start run-through, ST2 year 2, ST3 start higher training. England nodal 3 ST1-ST2 £52,656, nodal 4 ST3-ST5 £65,048, nodal 5 ST6-8 £73,992 https://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england . Pay rises at nodal points, not annually, unlike devolved nations https://www.bmj.com/careers/article/the-complete-guide-to-nhs-pay-for-doctors .

Who Is the Highest Paid NHS Doctor?

Consultant threshold 4 with impact awards is highest basic. Consultant basic top £145,478 Point 14 https://www.nhsemployers.org/system/files/2025-06/Pay-and-Conditions-Circular-MD-2-2025_0.pdf to £150,569 2026 https://www.healthcareers.nhs.uk/explore-roles/doctors/pay-doctors , plus National Clinical Impact Awards N1 £20,000 to N3 £40,000 https://www.bmj.com/careers/article/the-complete-guide-to-nhs-pay-for-doctors and extra PAs 10% each.

What Are the Pay Scales in the NHS for Doctors?

NHS doctor pay scales are national tables by grade and years. England 2016 contract: nodal 1 FY1 £38,831, nodal 2 FY2 £44,439, nodal 3 CT1/ST1 £52,656, nodal 4 ST3 £65,048, nodal 5 ST6 £73,992 https://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england , SAS MC75 and consultant YC72 thresholds detailed in Circular https://www.nhsemployers.org/system/files/2025-06/Pay-and-Conditions-Circular-MD-2-2025_0.pdf .

How Much Does an FY1 Doctor Take Home per Month After Tax?

FY1 typical total 48h ~£56,500 gross = ~£4,708 monthly gross. Net after 12.5% pension, 20% tax, 8% NI, 9% Plan 2 loan above threshold illustrative ~£2,700 per month. Variation by pension tier and personal tax code changes net. Use BMA Pay Checker https://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england for personal check.

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