Views are the authors' own and are not medical advice.
© 2026 On-Call News.
The On-Call Money Guide 2026/27: pay, tax, pensions and student loans for UK doctors, by practising doctors, in about twenty minutes.
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Once your adjusted net income passes £100,000, you lose £1 of personal allowance for every £2 you earn, until it disappears entirely at £125,140. Across that band, each extra pound is effectively taxed at 60%.
A new consultant offered a £10,000 rise keeps about £2,400 of it. Of each extra £1:
The pension share isn't lost, but this is why many senior doctors turn down extra sessions.
Resident doctors, 2016 contract, England. Basic salary only.
| Grade | Basic salary |
|---|---|
| FY1 | £41,226 |
| FY2 | £47,610 |
| CT1–2, ST1–2 | £55,355 |
| CT3, ST3 | £67,325 |
| CT4, ST4–5 | £67,998 |
| ST6 | £76,582 |
| ST7–8 | £77,348 |
Source: BMA and NHS Employers, 2026. The full guide adds monthly take-home for each grade, consultant pay, and what changes with extra shifts.
The other nine chapters, the payslip checklist and the career-stage to-do list are in the full guide.
Get the full guide free →General information, not personal financial advice. Figures are for England unless stated and were correct in October 2026.
Views are the authors' own and are not medical advice.