Take Home Pay
Take Home Pay
This NHS junior doctor salary calculator estimates resident doctor take-home pay under the 2016 Terms and Conditions for 2026/27. Enter grade, nodal point, average weekly hours, weekend and night frequency, flexible pay premia where relevant, pension and tax nation. It models basic pay, additional rostered pay, Income Tax, National Insurance and NHS Pension to show monthly and annual net. Use it for rota changes, lead employer moves, or comparing posts. Results keep junior doctor contract pay distinct from Agenda for Change band calculators while still showing real take-home.
Estimated net monthly pay
£0.00/mo
England 2016 contract estimate. Scotland/Wales/NI contracts differ. Your work schedule and ESR payslip remain authoritative.
Sixty free tools covering Agenda for Change pay, the NHS Pension Scheme, tax, leave, absence and leaving the NHS — updated for 2026/27. Start from a pillar hub, then drill into the cluster that matches your question.
Use this NHS junior doctor salary calculator to estimate your annual gross pay and monthly take-home pay in England. This page is built for doctors paid under the 2016 England resident doctor contract, not the Agenda for Change pay system. Official contract and BMA guidance now often use the term resident doctor, but most users still search for junior doctor salary calculator. This page uses both terms so the meaning is clear.
Source URLs:
https://www.nhsemployers.org/publications/faqs-2016-doctors-training-contracthttps://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england
Your actual pay is not defined by grade alone. A junior doctor’s real earnings depend on five moving parts:
Your take-home pay then changes again after Income Tax, National Insurance, and NHS Pension deductions.
That is why two doctors on the same grade can receive different monthly pay. An FY2 on a lighter rota does not take home the same amount as an FY2 on a weekend-heavy rota with qualifying nights. A CT or ST doctor in London does not receive the same gross salary as the same grade outside London.
This calculator is for doctors who want a direct answer to one question:
“What is my likely NHS junior doctor take-home pay based on my grade and rota?”
Use it to:
This tool is most useful when you are comparing rota patterns, planning a move between grades, or checking whether your expected post will materially change your net income.
This page is designed around the core pay elements that users ask about first:
Under the 2016 England contract, resident doctor pay starts with a basic salary linked to a nodal point. Basic pay is built around an average 40-hour week.
Source URL:
https://www.nhsemployers.org/publications/faqs-2016-doctors-training-contract
Hours above the standard 40-hour week are paid separately. Under the contract, additional rostered hours are paid at the doctor’s basic hourly rate.
Source URLs:
https://www.nhsemployers.org/publications/faqs-2016-doctors-training-contracthttps://www.nhsemployers.org/system/files/2026-06/Doctors-dentists-in-training-2016-TCS-version-14-June-2026.pdf
Weekend allowance is not arbitrary. It is attached to how often you are rostered to work weekends across the rota cycle. Under the national contract framework, doctors rostered to work weekends at a minimum frequency of 1 in 8 receive a weekend allowance, with rates running from 3% to 15% of full-time basic salary depending on frequency.
Source URLs:
https://www.nhsemployers.org/system/files/2025-06/Pay-and-Conditions-Circular-MD-2-2025_0.pdfhttps://www.nhsemployers.org/system/files/2026-06/Doctors-dentists-in-training-2016-TCS-version-14-June-2026.pdf
Night pay is a defined contract element. BMA guidance for resident doctor payslips states that night duty includes:
That matters because qualifying night work can add a meaningful enhancement to gross pay.
Source URL:
https://www.bma.org.uk/pay-and-contracts/pay/payslips/understanding-your-payslip-resident-doctors-on-the-2016-contract
London weighting is a separate pay element under the resident doctor contract. The current contract states that London weighting is a fixed sum and is paid pro rata for doctors working less than full time.
Source URL:
https://www.nhsemployers.org/system/files/2026-06/Doctors-dentists-in-training-2016-TCS-version-14-June-2026.pdf
The quality of any pay estimate depends on the quality of the inputs. Use the calculator with your work schedule, not with guesses.
Choose the grade that matches your post: FY1, FY2, CT, or ST. Your grade determines the basic nodal salary.
Use the average weekly hours stated in your work schedule. Do not use a single busy week. The contract is built on an average across the rota cycle, not one-off peaks.
Weekend allowance is based on the frequency of weekends across the rota cycle. Use the actual rota pattern such as 1 in 8, 1 in 6, 1 in 4, or 1 in 3. Do not estimate this from memory.
A late finish does not automatically mean night pay. Use the contract definition of qualifying night duty. If your rota contains full night shifts, the pay treatment can be broader than simply counting hours after 9pm.
Use the London option only if your contract and payroll setup actually apply London weighting to your post.
Gross pay is not take-home pay. Once gross salary is calculated, payroll deductions reduce the amount that reaches your bank account.
For the 2026/27 tax year, the standard employee personal allowance in England is £12,570. The main PAYE tax rates for England and Northern Ireland are:
Source URL:
https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027
For 2026/27, the employee Primary Threshold is £12,570 and the Upper Earnings Limit is £50,270. For category A employees, the employee Class 1 National Insurance rate is 8% between the threshold and upper earnings limit, and 2% above that.
Source URL:
https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027
NHS Pension contributions are tiered. From 1 April 2026, employee contribution rates run from 5.2% to 12.5% depending on annual pensionable pay.
Source URL:
https://www.nhsbsa.nhs.uk/member-hub/cost-being-scheme
That means net pay varies not just by salary, but by pension band, tax position, and payroll settings.
A high-quality calculator page must state its limits clearly.
If your current tool does not ask for these items separately, your result remains an estimate and not a payroll-grade calculation:
These factors are all real reasons why a live payslip can differ from a calculator estimate.
Source URLs:
https://www.nhsemployers.org/publications/faqs-2016-doctors-training-contracthttps://www.bma.org.uk/pay-and-contracts/pay/payslips/understanding-your-payslip-resident-doctors-on-the-2016-contracthttps://www.nhsbsa.nhs.uk/member-hub/cost-being-scheme
This is the question that real users ask after every estimate.
Your actual payslip can differ because of:
The correct user expectation is this:
Use the calculator to estimate and compare pay. Use your payslip to verify the final number.
This page serves one contract and one intent. Use a different calculator if you are trying to estimate pay for:
That separation matters because mixing contracts produces bad answers.
Yes. This page is for doctors paid under the England 2016 resident doctor contract. NHS Employers states that the 2016 contract applies in England for doctors in approved postgraduate training posts and GP specialty training placements in England.
Source URL:
https://www.nhsemployers.org/publications/faqs-2016-doctors-training-contract
No. Resident doctors in England are not paid on Agenda for Change bands. They are paid under a separate contract with nodal-point basic pay plus rota-based additions such as additional hours, weekend allowance, and night enhancements.
Source URLs:
https://www.nhsemployers.org/publications/faqs-2016-doctors-training-contracthttps://www.bma.org.uk/pay-and-contracts/pay/resident-doctors-pay-scales/pay-scales-for-resident-doctors-in-england
Weekend allowance is linked to how often you are rostered to work weekends across the rota cycle. The national framework starts at 1 in 8 weekends and uses percentage bands from 3% to 15% of full-time basic salary depending on frequency.
Source URL:
https://www.nhsemployers.org/system/files/2025-06/Pay-and-Conditions-Circular-MD-2-2025_0.pdf
BMA payslip guidance states that night duty includes:
No. NHS Employers contract guidance states that all hours worked up to 40 hours per week at the basic rate are pensionable, but payments for additional rostered hours above 40 are not pensionable.
Source URLs:
https://www.nhsemployers.org/publications/faqs-2016-doctors-training-contracthttps://www.nhsemployers.org/system/files/2026-06/Doctors-dentists-in-training-2016-TCS-version-14-June-2026.pdf
Yes. The 2016 contract states that London weighting is pensionable in the NHS Pension Scheme.
Source URL:
https://www.nhsemployers.org/system/files/2026-06/Doctors-dentists-in-training-2016-TCS-version-14-June-2026.pdf
No. A calculator estimate is not the same as a processed payslip. Exact net pay depends on payroll-level variables such as tax code, pension settings, student loan deductions, arrears, and local adjustments.
Source URLs:
https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027https://www.nhsbsa.nhs.uk/member-hub/cost-being-schemehttps://www.nhsemployers.org/publications/faqs-2016-doctors-training-contract
Because grade sets only the basic nodal salary. Actual gross and net pay change with rota intensity, additional hours, weekend frequency, qualifying nights, London weighting, tax position, and pension deductions.
Source URLs:
https://www.nhsemployers.org/publications/faqs-2016-doctors-training-contracthttps://www.bma.org.uk/pay-and-contracts/pay/payslips/understanding-your-payslip-resident-doctors-on-the-2016-contract