FY1 doctor pay after tax 2026/27

Take-home pay a month

£2,497.67

£29,972.00 a year from a salary of £41,226.00

Your details

Grade and pay point FY1 (nodal point 1)

Share of full time %

Percent of a full-time post

I pay into this pension scheme

Student loan NonePlan 1Plan 2Plan 4 (Scotland)Plan 5 Postgraduate loan as well

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Where your salary goes

	A year
Salary	£41,226.00
NHS Pension (9.8%)	£4,040.15
Income tax	£4,921.37
National Insurance	£2,292.48
Take-home pay	£29,972.00

How this was worked out

1. Pension rate: pay of £41,226.00 is in the tier from £35,156 to £52,778, so 9.8%
2. Salary: £41,226
3. Pension (net pay): £41,226 × 9.8% = £4,040.15, taken off before tax
4. Personal allowance: £12,570. Payroll applies it as tax code 1257L, which gives £12,579 of tax-free pay.
5. Taxable income: £37,185.85 − £12,579 = £24,606.85
6. Basic rate: £24,606.85 × 20% = £4,921.37
7. Income tax: £4,921.37
8. National Insurance: (£41,226 − £12,570) × 8% = £2,292.48
9. Take-home pay: £41,226 − £4,921.37 − £2,292.48 − £4,040.15 = £29,972

• Tax year: 2026/27. Tax code: 1257L. Income tax nation: England.
• Pension: NHS Pension Scheme contribution at the tier for the selected pay. Student loan: none unless selected in the calculator.
• Full-time basic pay, for a full tax year. Money is rounded to the nearest penny.

A Foundation Year 1 doctor in England is paid a basic salary of £41,226 in 2026/27. After the NHS Pension, income tax and National Insurance, that leaves about £2,497.67 a month.

Pay scale: www.nhsemployers.org/system/files/2026-07/Pay-and-Conditions-Circular-%28MD%29-1-2026-R2.pdf

The first nodal point

FY1 is nodal point 1 on the England scale and has a single rate. Every FY1 doctor on the national contract is paid the same basic salary, whatever their medical school or region. Extra payments for rota patterns come on top.

Deductions on an FY1 salary

Income tax on FY1 basic pay is all at the basic rate. The whole salary is below the upper earnings limit, so National Insurance is charged at the main rate on everything above the primary threshold.

The NHS Pension contribution for the FY1 salary is 9.8% of pensionable pay. It comes off before income tax, which lowers the tax bill. The tier is set by actual pensionable pay, so an FY1 doctor training less than full time can fall in a lower tier and pay a lower rate.

Student loans

Many FY1 doctors have a student loan, often on Plan 2, and some also carry a postgraduate or earlier loan. The FY1 salary is above every undergraduate plan threshold, so repayments start straight away. The student loan repayment calculator shows the amount for each plan, including two plans at once.

Questions

What does an FY1 doctor take home a month?

About £2,497.67 a month in 2026/27 on basic salary in England, before any student loan.

Does an FY1 doctor pay higher rate tax?

Basic FY1 salary is taxed at the basic rate only. Enhanced hours and allowances can take total pay higher.

Is FY1 pay the same across England?

Yes, the basic salary is one national rate for every FY1 post on the national contract. Allowances that depend on the post or the rota are not in these figures.