Illustrative estimates only — not tax, pension, or financial advice.
Not covered: Scotland/NI pension tiers · limited company or agency PAYE · student loan repayments · annual allowance tapering
Locum GP Session Rate Calculator
Find out what a session rate is actually worth in your pocket — or work backwards from the take-home income you want.
Projections and figures are based on what you enter. Not financial advice — speak to a regulated adviser before making decisions.
These figures are illustrative estimates only, based on the inputs you've entered. They are not tax, pension, or financial advice and do not account for every personal circumstance. Speak to an accountant or a regulated financial adviser before making decisions based on them. Nothing you enter is sent anywhere — all calculations happen in your browser.
Not modelled in this version: this calculator uses NHS Pension Scheme (England & Wales) member contribution tiers — Scotland (SPPA) and Northern Ireland (HSC Pension Service) have different tiers and thresholds, so results won't be accurate there. It also doesn't model: working via a limited company or PAYE through an umbrella/agency; student loan repayments (Plan 1/2/4/5 or postgraduate loan); or the tapered annual allowance and other pension tax charges that can affect high earners. All of these can materially change your actual take-home — factor them in separately if they apply to you.