Medical tax calculators for UK doctors
Free calculators built by specialist medical accountants. Work out your NHS pension annual allowance, locum tax liability, and private practice incorporation savings.
NHS Pension Annual Allowance Calculator
Calculate your tapered annual allowance and potential tax charges on NHS pension growth.
NHS salary + private income - pension contributions
From your annual pension statement
You have the standard £60,000 annual allowance. Tapering only applies if threshold income exceeds £200k and adjusted income exceeds £260k.
Locum Doctor Tax Calculator
Calculate your income tax, National Insurance, and student loan repayments as a self-employed locum doctor.
GMC, indemnity, BMA, travel, equipment
Personal pension or NHS locum contributions
This calculator is for self-employed locum doctors. Figures are for 2025/26 tax year. Includes Class 4 NI (6% on £12,570-£50,270, 2% above). Does not include Class 2 NI (£3.70/week).
Private Practice Incorporation Calculator
Compare tax as a sole trader vs limited company for your private practice income.
Usually £12,570 (personal allowance)
This is a simplified comparison for 2026/27 using updated dividend tax rates (10.75% basic, 35.75% higher, 39.35% additional). Corporation tax is 25%. Actual savings depend on IR35 status, pension planning, and other factors. Speak to a specialist medical accountant before incorporating.
⚠️ At this income level, incorporation may not be beneficial due to corporation tax and dividend tax rates. Consider other factors like liability protection.
Need help interpreting your results?
These calculators provide simplified estimates. For a full analysis of your specific situation — including NHS pension planning, locum tax optimization, or private practice incorporation feasibility — speak to one of our medical accountants.