Free tool
Take-home pay calculator
A gross locum income sounds healthy until expenses, pension contributions, tax and National Insurance come out of it. See what you actually keep, per year, month and week.
Everything you invoice practices for, before anything comes out.
Mileage, indemnity, GMC fees, equipment and other allowable costs.
Your employee contributions — your tier percentage of your pensionable pay.
- Profit after expenses
- £58,000.00
- Income tax
- £9,432.00
- Class 4 National Insurance
- £2,416.60
- Take-home per year
- £43,151.40
- Per month
- £3,595.95
- Per week
- £829.83
How it works
Expenses come off first to give your profit. NHS pension employee contributions reduce the income your tax is worked out on (the net pay arrangement), while Class 4 National Insurance is charged on profit before pension. We then apply 2026/27 rates for England, Wales and Northern Ireland.
This assumes locum work is your only income and ignores student loan repayments and Scottish tax bands. It's an estimate to help you plan, not tax advice.
See your real figures, not estimates
Locum Notes tracks your actual sessions, mileage, expenses and pension figures as you work — so you always know where you stand.
Try Locum Notes free