Tax planning

UK Doctor Tax Estimator

Estimate how tax, National Insurance, pension contributions, student loan repayments, expenses, and additional income change your annual and monthly take-home pay.

  • Annual and monthly take-home
  • Expenses and extra income
  • Current UK rate assumptions
Calculator

Estimate tax, NI, and take-home pay

Use this when you want a broader pay estimate that includes extra income, expenses, and pension contribution choices.

Inputs

Add the figures you know and the estimate will update live. Expenses and additional income are treated as planning inputs only.

Save and bookmark

Save this result to your free dashboard or bookmark the tool for later.

Save actions are explicit only. Public calculator use stays free and does not require login.

Notes
  • Additional income is treated as extra taxable income, which is useful for locums or private work.
  • Expenses reduce the taxable estimate, but they do not reduce the National Insurance estimate in this model.
  • Scotland uses different income tax bands to England/Wales and Northern Ireland.
Current planning estimates use the 2026 to 2027 UK tax year and National Insurance settings.

How it works

Enter your salary, extra income, pension percentage, student loan plan, tax code, and any expenses you want to include.

  • Enter the closest salary or hourly figure you already know.
  • Add pension, tax, student loan, or enhancement details where relevant.
  • Use the output as a planning figure rather than a payroll guarantee.

What affects the result

Extra income, deductible expenses, pension percentage, and regional tax bands all change the result.

  • Tax code, pension percentage, and student loan plan all change take-home pay.
  • Unsocial hours, locum rates, and enhancements can move the monthly figure.
  • Regional tax bands and local policy may change the final amount.

When to use it

It is useful when you want to compare salary only against salary plus locum income or other extra work.

  • The tax estimator is useful before a rota change, a locum shift, or a payslip check.
  • It helps you compare different pay scenarios quickly on mobile or desktop.
  • You can save the result to your free Passmedex dashboard when you want to keep it.
FAQ

Frequently asked questions

These answers are kept concise so you can check the basics quickly and move on.

No. It is an educational estimate only and can move with rota details, tax code changes, and local policy.

Enhancements, pension choices, tax codes, and student loan settings all affect the final amount.

Yes. Use it to get a planning estimate before you compare the result with your actual contract or payroll record.

No. The result should be rechecked if your rota, tax code, pension percentage, or loan plan changes.

Related pages

Related tools and pages

These links keep the next step close at hand so you can move from planning back into revision or further checking without losing your place.

Next step from UK Doctor Tax Estimator

Estimate taxable income, income tax, National Insurance, pension contributions, student loan deductions, and take-home pay for UK doctors.