● 2026/27 · Resident doctor · NHS pension

Junior Doctor Take-Home Calculator

Pick your training grade, add your extra-hours and weekend supplements, and see your real monthly take-home as a resident (junior) doctor — after Income Tax, National Insurance and the NHS pension.

🩺 FY1 to ST8 🌙 Add banding / extra hours 📅 2026/27 rates

Your doctor take-home

Resident doctor · England

Monthly take-home
£0
£0 a year · gross £0
Basic salary£0
Extra pay (banding)£0
NHS pension £0
Income Tax£0
National Insurance£0
Student loan£0
Annual take-home£0

Extra pay models additional hours, weekend frequency and night enhancements under the 2016 contract. Pension is deducted before Income Tax. Indicative 2026/27 pay.

🩺 Resident doctor pay 📅 2026/27 rates 🏛️ BMA & HMRC sourced 🔒 Runs in your browser
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How junior doctor pay works

Resident doctors (formerly called junior doctors) in England are paid under the 2016 contract. Pay has two parts: a basic salary set by your training nodal point, and additional pay for hours over 40 a week, weekend working frequency, and night-shift and on-call enhancements. Together these mean most rota'd doctors earn well above their basic figure.

GradeStageApprox. basic
FY1Foundation year 1£38,831
FY2Foundation year 2£44,439
ST1–ST2 / CTCore training£52,656
ST3+Specialty registrar£61,825
ST6+Senior registrar£70,425
Pension caution at higher grades. As your pay rises, the NHS pension contribution tier increases, and senior doctors should watch the annual allowance. For most resident doctors the scheme remains excellent value because of the large employer contribution.

What the extra-pay percentage means

Set the extra-pay slider to reflect your rota. A standard full-time rota with regular weekends and nights often adds 10–25% to basic pay; intensive rotas with frequent nights can add more. The figure stacks on top of your basic salary and is fully taxable. Sense-check the result against the salary calculator or the NHS pay calculator for non-medical staff.

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Junior doctor pay FAQs

How much does an FY1 doctor take home?

FY1 basic is about £38,800. With typical extra-hours pay taking it past £43,000, monthly take-home after tax, NI and pension is roughly £2,500–£2,800.

What is banding for junior doctors?

Under the 2016 contract, extra pay comes from additional hours, weekend frequency and night enhancements rather than the old percentage bands. Use the extra-pay field to model these.

Do junior doctors pay into the NHS pension?

Yes — tiered contributions (typically 9.8%–10.7% for this range), deducted before Income Tax.

Why is my pay different each rotation?

Different rotas carry different weekend frequencies and night counts, so your additional pay changes when you switch placements.

Mustafa Bilgic
Reviewed by Mustafa Bilgic
Founder, WebCalculator

Nodal pay points reflect the 2016 resident doctor contract; pension tiers from NHS Pensions; tax and NI from HMRC for 2026/27. Estimates only, not financial advice.