You've done the maths. Now get the insights.
Based on a £70,000 salary and £51,158 take-home, here's what most people miss
Based on a £70,000 salary and £51,158 take-home, here's what most people miss
Get My Insights →GP / Family Doctor Pay UK 2025/26
GP earnings are among the most complex in UK medicine: salaried GPs are direct employees on negotiated contracts, while GP partners earn a share of practice profits, meaning their actual take-home varies enormously with list size, skill mix, and local contract performance. 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, giving a full-time floor of approximately £96,000.
Based on typical gp / family doctor salaries, here is what you can expect to take home after income tax and National Insurance:
- GP Registrar (ST3): £42,643 take-home (£55,319 gross, outside London) / £47,098 take-home (£63,000 gross, London)
- Salaried GP: £51,158 take-home (£70,000 gross, outside London) / £58,118 take-home (£82,000 gross, London)
- GP Partner: £70,458 take-home (£105,000 gross, outside London) / £76,158 take-home (£120,000 gross, London)
Key facts about gp / family doctor pay:
- 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
Your taxes (2025/26)
| Year | Month | Week | |
|---|---|---|---|
| Gross Income | £37,500 | £3,125 | £721 |
| Pension Contributions£375 Saved! | £1,875 | £156 | £36 |
| Employer Pension ContributionsPot Increased | £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 → | ||
GP / Family Doctor Salary Breakdown UK 2025/26
The table below shows typical gp / family doctor salaries across experience levels and regions, alongside estimated take-home pay after income tax and National Insurance. Click any salary figure to open it in the calculator.
How GP / Family Doctor 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 2025/26
Like all UK workers, gps / family doctors salaries are subject to income tax and National Insurance (NI) contributions. In the 2025/26 tax year:
- Up to £12,570: 0% (Personal Allowance)
- £12,571 to £50,270: 20% (Basic Rate)
- £50,271 to £125,140: 40% (Higher Rate)
- Above £125,140: 45% (Additional Rate)
Employee National Insurance contributions for 2025/26:
- 8% on earnings between £12,570 and £50,270
- 2% on earnings above £50,270
Use the calculator above to see your exact take-home pay after all deductions, including pension contributions and student loan repayments if applicable.
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Explore Your Finances
Model your expenses, project your wealth, and find your path to financial independence.
Your Monthly Outgoings
Projected Pension
Wealth & Financial Independence More Info
- 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
- 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