Saving Tool UK

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)£4,134 / mo
    of £67,325 gross a year
  • Salaried GP£4,684 / mo
    of £78,699 gross a year
  • GP Partner£5,871 / mo
    of £105,000 gross a year
Take-homeTaxNI

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 Digital's GP earnings and expenses estimates for 2024/25 put average income before tax (after practice expenses) at about £164,200 for GP contractors and £74,800 for salaried GPs.

The BMA model contract pay range for salaried GPs in 2026/27 is £78,699–£118,759 for a full-time post, after the 3.5% DDRB uplift.

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.

LevelNational GrossNational Take-HomeMonthly (National)London GrossLondon Take-Home
GP Registrar (ST3)£67,325£49,606£4,134£69,487£50,860
Salaried GP£78,699£56,203£4,684£82,000£58,118
GP Partner£105,000£70,458£5,871£120,000£76,158

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 £67,325 basic pay (nodal point 4a) under the 2026/27 resident doctor 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 £12,5700% (Personal Allowance)
£12,571 – £50,27020% (Basic Rate)
£50,271 – £125,14040% (Higher Rate)
Above £125,14045% (Additional Rate)
Employee National Insurance
Up to £12,5700%
£12,570 – £50,2708%
Above £50,2702%
--

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

Browse All Pay Guides →
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 pay

per year
per year

Bonuses, commission, overtime, capital gains, investments and similar.

Your take-home pay

£4,493a month

£53,921 a year · £1,037 a week

Out of £6,558 gross a month

  • Take-home pay£4,49368.5%
  • Your pension+ £197 from your employer£3285.0%
  • Income tax£1,44522.0%
  • National Insurance£2924.5%
HMRC 2026/27 rates, updated 6 April 2026

If you invested £1,667 each month into an ISA after covering your expenses, you could make £996,652 over 25 years: +£496,652 on top of what you put in, thanks to compounding returns.

See how
Pension, region, student loan, State Pension age
%
%

Try changing your contributions to see how it affects everything.

Where you pay tax
State Pension age

68 applies if you were born after 5 April 1978.

Explore your finances

Model your expenses, project your wealth, and find your path to financial independence, using the pay figures above.

Your monthly spending

Essentials

£per month
Housing, bills, council tax, food.

Everything else

£per month
Things you choose to pay for.

Your plan

The earliest you can retire with your workplace pension is usually 55 (rising to 57 from 6 April 2028). You won't get your state pension until your mid or late 60s, depending on your current age. Tip: try playing around with your target retirement age to see how things change.
£
The total balance of all your existing pension pots.
£
The total balance of any existing ISA Savings accounts (GIAs are not currently supported)

Financial independence

%
% of today
%
Financial independence means having enough saved that your outgoings are covered for the rest of your life.

Where your £6,558 a month goes

  • Essentials£1,750
  • Everything else£500
  • Tax and NI£1,737
  • Pension£328
  • Left to invest in your ISA£2,243

Projected wealth

Estimated income over 50 years, in today's money, with a 5% annual return and 0.35% yearly platform and fund fees.

Projected pension

Your pension pot over 31 years at three growth rates, after 0.35% fees, in today's money.

Calculations
  • FI Target = Annual outgoings (£21,600) * Years needed for 4.00% SWR (25.00) = £540,000
  • Invested annual pension = £6,296
  • Invested annual surplus = £20,000
  • 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

Take-home pay by salary

See the full 2026/27 breakdown for common salaries.