Junior Doctor Pay Calculator (2025/26)
Confused by your payslip? You’re not alone. Figuring out exactly what reaches your bank account after rota enhancements, student loans, and pension deductions can be a headache.
Use this simple calculator to estimate your take-home pay under the 2016 resident doctor contract. Adjust your grade, hours, and deductions to see exactly how your work schedule affects your monthly salary.
The Basics
Rota & Enhancements
Standard is 40. Max is 48.
Adds 8% availability allowance.
Deductions & Tax
Default is 1257L.
What’s included in this estimate?
This calculator uses the latest available NHS Employers pay circulars and UK government tax thresholds for the 2025/2026 financial year. It accounts for:
- Basic nodal pay points
- Additional rostered hours
- Night shift enhancements (37%)
- Weekend allowances
- Non-resident on-call (8%)
- London weighting
- Tiered NHS Pension rates
- Student & PG Loan thresholds
Frequently Asked Questions
Under the 2016 contract in England, pay starts with a basic nodal point based on grade. Enhancements are then added for working more than 40 hours, working nights, weekend frequency, and non-resident on-call availability.
It gives a strong estimate using standard tax codes and current NHS pay assumptions. Actual payslips can still differ because of HMRC adjustments, arrears, local trust deductions, or other payroll-specific items.
Yes. Enable the LTFT option and enter your percentage. The calculator proportionally adjusts the base salary and enhancements using the entered LTFT percentage for a quick estimate.
Yes. Student loan deductions are applied to earnings above the relevant repayment threshold, so they can noticeably reduce monthly take-home pay depending on your plan and salary level.
Disclaimer: This tool provides an estimate of your pay based on the 2025/2026 NHS Employers pay circulars and UK tax rates. It is designed for guidance only and does not constitute financial or payroll advice. Always check your official payslip and consult your trust’s payroll department or the BMA for precise calculations regarding your specific circumstances, backpay, or local arrangements.