Free financial tools for NHS GPs and locums
Pension modelling, locum tax, and rate-setting calculators built by a working GP — plus plain-English guides to NHS pensions, tax, and the McCloud remedy.
Projections and figures are based on what you enter. Not financial advice — speak to a regulated adviser before making decisions.
Tools
View all →NHS Pension Planner
Model your 1995/2008, 2015 CARE, and private pension income across different retirement ages.
Open tool →Locum Tax Calculator
Work out what to set aside from your locum fees for tax and National Insurance.
Open tool →Take-Home Rate Setter
Turn a target take-home income into the session rate you need to charge.
Open tool →