NHS Pension annual allowance calculator and medical tax calculators
Ten free calculators for UK doctors, all on 2026/27 rates. Work out your NHS Pension annual allowance and whether the taper applies, model a Scheme Pays election, check your tiered superannuation contribution, estimate locum tax, plan GP partner drawings, compare salaried GP against partner, and test whether incorporating private practice is worth the pension accrual it costs. Free to use and nothing is withheld: we ask once before showing a result, and skipping the ask reveals the figure straight away.
NHS Pension Annual Allowance Calculator
Threshold income and pension growth in, tapered allowance and tax charge out. 2026/27 limits, unchanged from 2025/26.
Locum Doctor Tax Calculator
Gross locum income in, net take-home out. 2025/26 income tax, Class 4 NI and student loan (plan 1/2/4).
Private Practice Incorporation Calculator
Sole trader vs limited company for medical private practice. 2026/27 dividend tax rates and the 19% to 25% corporation tax bands.
NHS Superannuation Contribution Calculator
Pensionable pay or GP superannuable profit in, your 2026/27 tiered NHS Pension employee contribution out, plus the 23.7% credited on your behalf and your net cost after tax relief.
NHS Pension Scheme Pays Calculator
Annual Allowance charge in, side-by-side cost out: pay HMRC in cash now, or elect Scheme Pays and see NHSBSA's own estimate of the permanent reduction to your NHS pension, in today's money.
GP Partner Drawings Planner
Annual partnership profit share in, sustainable monthly drawings out. Accounts for income tax, Class 4 NI, NHS superannuation, and any student loan for 2026/27.
Salaried GP vs GP Partner Calculator
Compare a salaried GP salary against a partner profit share and see what each actually nets after income tax, National Insurance and NHS superannuation.
Salaried Doctor Take-Home Pay Calculator
NHS salary plus optional private income in, monthly net take-home out. Includes NHS superannuation deduction and 2026/27 PAYE bands.
Doctor Expenses Tax Relief Calculator
Allowable professional expenses, GMC and royal college fees, CPD and business mileage relief at your marginal tax rate. 2026/27.
Consultant Private vs NHS Session Calculator
Model the true net value of one extra private session once income tax, Class 4 NI, and the NHS Pension annual allowance taper are all counted. Built for hospital consultants near the £200k threshold.
Free first call, then a fixed fee in writing
Not sure which figure applies to you?
Send your position and one of our medical accountants who works with doctors every day will read it. We read your NHS pension, your practice position and your personal return together.
- Medical work onlyNHS pension, practice accounts and private practice
- Read by a medical accountantYour enquiry goes to our accountants who work with doctors
- One position, not threePractice, pension and personal return read together
No obligation and no hard sell. If our specialists think your position is already right, they will tell you so.