Physiotherapist Pay UK 2026/27
Physiotherapist earnings usually begin on NHS Band 5 and increase as clinicians specialise into Band 6 and 7 roles. Private practice and First Contact Physiotherapist pathways can deliver higher pay than standard NHS progression.
At a Glance
- Newly Qualified (Band 5)£2,218 / moof £32,073 gross a year
- Specialist Physiotherapist (Band 6–7)£3,005 / moof £45,186 gross a year
- Consultant / Advanced Practitioner (Band 7–8b)£3,538 / moof £55,000 gross a year
Most physiotherapists in the public sector are paid through NHS Agenda for Change, starting at Band 5 and often moving into Band 6 or 7 within three to five years.
The Chartered Society of Physiotherapy's 2024 survey found private-sector physios typically earn 10–20% more than NHS peers at mid-career, though without NHS pension value.
First Contact Physiotherapist roles in GP practices commonly sit at Band 7-8a and remain one of the clearest routes to higher earnings.
Physiotherapist Salary Breakdown UK 2026/27
The table below shows typical physiotherapist 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.
Income Tax and National Insurance in 2026/27
Like all UK workers, physiotherapists salaries are subject to income tax and National Insurance (NI) contributions. In the 2026/27 tax year:
| 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) |
| 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.
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Pension, region, student loan, State Pension age
Explore your finances
Model your expenses, project your wealth, and find your path to financial independence, using the pay figures above.
Financial independence
- In today's money, you'll have at least £21,600 / year (£1,800 / month) when you stop working at 66 - just from your savings
- In real terms, that's £38,340 / year (£3,195 / month)
- That means all your outgoings are covered without having to make any further contributions!
- You may be able to retire earlier - try adjusting the retirement age field
Where your £3,766 a month goes
- Essentials£1,750
- Everything else£500
- Tax and NI£708
- Pension£188
- Left to invest in your ISA£619
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 = £3,615
- Invested annual surplus = £7,428
- 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