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)£31,049£25,876
- Specialist Physiotherapist (Band 6–7)£43,742£35,015
- Consultant / Advanced Practitioner (Band 7–8b)£55,000£42,458
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.
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 → | ||
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.
Go beyond take-home pay.
WITHOUT AI INSIGHTS
- ?Am I prepared for financial emergencies?
- ?Am I contributing enough to my pension?
- ?Where should I focus my savings?
- ?What's my biggest financial risk?
WITH AI INSIGHTS
NEW- ✓Savings, investment & spending insights specific to your situation
- ✓Pension contribution and projection analysis
- ✓Short, medium and long-term focus areas
- ✓Financial Health Scorecard
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.
Related Pay Guides
Browse All Pay Guides →Explore Your Finances
Model your expenses, project your wealth, and find your path to financial independence.
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
- 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.
- 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