We’ve created a junior doctor pay calculator which will help you better understand your salary, how much tax you’ll pay, student loans & contributions to NHS pensions.
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Junior Doctor Pay Calculator
Please note our calculator below uses the Junior Doctor Contract in England & is updated for the April 2022/23 financial year and pay circulars. Thus it uses the following nodal points for calculations based on basic salary:
- FY1 – £29,384
- FY2 – £34,012
- Specialty Registrar/Core Training 1/2 (SHO) – £40,257
- ST3/4/5 – £51,017
- ST6/7/8 – £58,398
As many external factors impact your pay and tax, our calculator won’t be 100% accurate and shouldn’t be used to make any financial decisions.
Comment below or email us if you spot any errors or have suggestions!
30 thoughts on “Junior Doctor Pay Calculator”
This is generally really good.
A few things that could be added
– flexible Pay premia for hard to fill specialties
– Different plans for student loans, I’m on plan 4 but work in England.
Just noticed there is flexible pay premia – sorry !
Awesome!
Will add this! (The plan 4 etc.)
FYI i could be wrong but i think the monthly contribution to an NHS pension is not taxable income.
I.e. if you are paying into a pension scheme this calculator will overestimate the amount of income tax you are paying and underestimate your take home pay,
You’re right. Thanks, that’s fixed!
Could we add an hourly average before tax as well as after? Would be more useful for comparison to other professions etc.
Of course. I’ll need to think about where I place this. For now, easy to calculate by dividing the wage by the number of hours you work.
Would be great to add Post grad loan as well as many people are paying off more than one at the same time!
I will do this but it will take some time as it is quite complicated.
I’ve added an option for multiple loans 🙂
This is really helpful, but it doesn’t allow for multiple student loan plans that graduate entry medics might be on, or a decimal point figure for any of the hour values.
Thanks for all your hard work 🙂
Thank you! I’ve added in decimals for the hour values. Multiple student loans are far more challenging – this will take me a lot more time!
I’ve added an option for multiple loans 🙂
Thank you for this, it’s really helpful!
Do you have a spreadsheet version of this so I can customise it more accurately for my own situation?
I’m glad it’s helpful. We don’t have a spreadsheet version as it is in-built, but if you tell us how you need it customised we can help!
It would be great if this could be updated to account for the new NI threshold. Fantastic resource though, thank you
I’m impressed with the speed at which you picked this up given it only came into action today! Updated with the increase of the Primary Threshold from £190 to £242 per week. Please do let me know if anything else changes 🙂
Thanks for this! Would be good if there was an equivalent for people training in Scotland on the old contract
Thank you! It’s in the works but it’ll take time to code once I get a free day!
This is so helpful! Thank you. Trying to tent a house as moving to new region..still no work schedule (sigh!) and need to actually at least have ballpark figure of my salary to quote to estate agents! Phew.
Would be helpful to have explainers eg. What counts for 37% uplift (nights starting from 8pm onwards, all hours of shift, I think?). Also for incorporating on calls – I wasn’t sure how to put in weekend hours – in addition to which band. Do I work out the average total hours including main hours plus weekly evening shift and then figure out weekend hours and average them across a number of weeks (1 in 5) to add to total?
Maths really isn’t my strong point 😛
Impressed with speedy change for NI threshold.
Heads up re LTFT pension changes starting till later in yr. Maybe also complicated but will no longer taken based on full timers as salary.
Thanks, Em for your comments! For the 37% uplift this is detailed in the link to the Junior Doctor Contract (we’ve tried to keep it brief to make it less overwhelming – this is in Schedule 2 16-18 which explains it much better. As a brief summary: the 37% enhancement applies to any hours between 9pm & 7am with the entire shift being included if it starts at 8pm and lasts 8 hours or starts before 4am. Your exact hours should be detailed in your work schedule as it’s the average hours across the rota for which you’re paid rather than anyone’s individual rota.
If you include a link re: the LFTT pension changes, I can adapt the calculator accordingly!
Hi! Would it be possible to adapt this for those working in SCO? Really cool calculator though!
It’s in the works 🙂
Can you tell me what’s the pay for non resident on call for weekends? Is it just 8% of basic pay regardless of the number of weekends you do?
Also in terms of hours attract 37% enhancement, do these apply for non resident on call?
Exactly that – 8% regardless of hours worked therefore the 37% enhancement does not apply. Here it is on the BMA site.
Very helpful.
could you please also include 0 weekend option in dropdown for those not doing any?
thanks
That’ll be less than 1 in 8 which includes doing none!
Thank you very helpful pay calculator! Keep up the good work 👏
Thank you so much!