Pay GuideTax Year 2026/27

GP Pay UK 2026/27

GP pay differs sharply between salaried contracts and partnership profit share, so earnings vary widely by practice setup and workload. The gap between employed and partner income remains one of the biggest pay features in UK primary care.

Calculate your take-home →See salary breakdown

At a Glance

GP Registrar (ST3)£55,319£42,643
Salaried GP£70,000£51,158
GP Partner£105,000£70,458

GROSS / TAKE-HOME

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GP earnings are complex because salaried GPs are employees, while GP partners take a share of practice profits linked to list size, skill mix, and local contract delivery.

NHS England data for 2022/23 showed average GP contractor earnings of around £114,000 before practice expenses, with salaried GPs averaging closer to £70,000.

The BMA's recommended minimum sessional rate for salaried GPs in 2024/25 is £10,693 per session, implying a full-time floor of roughly £96,000.

Take-home calculator

Your take-home pay

Enter your salary and we'll break down income tax, National Insurance, pension contributions and your final take-home for 2026/27.

Your taxes (2026/27)

	Year	Month	Week
Gross Income	£37,500	£3,125	£721
Pension (You)£375 Saved!	£1,875	£156	£36
PensionEmployer Added!	£1,125	£94	£22
Taxable Income	£35,625	£2,969	£685
Personal allowance	£12,570	-	-
National Insurance	£1,843	£154	£35
Income Tax	£4,611	£384	£89
Take Home Pay	£29,171	£2,431	£561
Added to Pension	£3,000	£250	£58
Opportunities Found	View My Opportunities →

If you invested £181 each month into an ISA after covering your expenses, you could make £108,173 over 25 years - a whopping +£53,905 on top of what you put in, thanks to compounding returns.

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HMRC Tax rates and rules last updated 6th Apr 2026

GP Salary Breakdown UK 2026/27

The table below shows typical gp salaries across experience levels and regions, alongside estimated take-home pay after income tax and National Insurance. Click any gross salary figure to open it in the calculator.

Level	National Gross	National Take-Home	Monthly (National)	London Gross	London Take-Home
GP Registrar (ST3)	£55,319	£42,643	£3,554	£63,000	£47,098
Salaried GP	£70,000	£51,158	£4,263	£82,000	£58,118
GP Partner	£105,000	£70,458	£5,871	£120,000	£76,158

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How GP Pay Works in the UK

GP partners are self-employed and bear business costs; net profit varies widely from £80,000 to over £150,000 depending on practice size and contract performance

The NHS Pension Scheme (2015 arrangement) applies to NHS contract work; GP partners must actively enrol and contributions are based on earnings

On-call and extended access sessions (evenings and weekends) attract uplifts of 37% or higher under the GP contract

GP registrars in ST3 earn £55,319 under the 2024/25 GP specialty training pay scales

Private GP consultations command £100–£300 per appointment, allowing GPs with private clinics to substantially boost income

Portfolio GPs combining clinical, research, education, and leadership roles are increasingly common and can earn £90,000–£130,000

Income Tax and National Insurance in 2026/27

Like all UK workers, gps salaries are subject to income tax and National Insurance (NI) contributions. In the 2026/27 tax year:

Income Tax Bands

Up to £12,570	0% (Personal Allowance)
£12,571 – £50,270	20% (Basic Rate)
£50,271 – £125,140	40% (Higher Rate)
Above £125,140	45% (Additional Rate)

Employee National Insurance

Up to £12,570	0%
£12,570 – £50,270	8%
Above £50,270	2%
-	-

Use the calculator above to see your exact take-home pay after all deductions, including pension contributions and student loan repayments if applicable.

Related Pay Guides

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Explore Your Finances

Model your expenses, project your wealth, and find your path to financial independence.

Disclaimer These tools are for information only and the authors assume no liability for your actions. It is not financial advice and should not be taken as such. To get independent financial advice from a qualified expert, visit Unbiased.co.uk.

Your Monthly Outgoings

Projected Pension

Estimated pension growth over 31 years. Assumes a fund fee of 0.35%. Growth adjusted for inflation.

Wealth & Financial Independence More Info

Financial independence means having enough saved that your expenses will be covered for the rest of your life.

At these income and outgoings levels, you are on track to achieve a sustainable retirement, retiring at age 66.

In today's money, you'll have at least £21,600 / year (£1,800 / month) when you retire at 66 - just from your savings
In real terms (where inflation is not removed), that's £38,340 / year (£3,195 / month)
That means all your outgoings are covered without having to make any further contributions!
All your expenses are covered for your retirement, but your wealth may start to decrease towards old age

Projected Wealth

Estimated income over 50 years, adjusted for inflation, with a 5% annual return and 0.35% yearly platform fee.

Calculations

FI Target = Annual outgoings (£21,600) * Years needed for 4.00% SWR (25.00) = £540,000
Invested annual pension = £3,000
Invested annual surplus = £2,171
Inflation of 2.5% / year
Assumes New State Pension, payments increasing with inflation (2.5% / year)
Assumes student loans last 30 years max
Assumes a flex-drawdown pension for illustration purposes
Assumes you draw down pension up to the higher rate bracket (£50,270), then draw down your S&S ISA
Pension lump sums are not included