Pay Scales for Junior Doctors in the UK

You will always get paid for working as a doctor in the UK. All jobs are paid jobs, including non-training jobs. You will never have to work for free.

 

Pay Scale

Regardless of the job being training or non-training, junior doctors earn somewhere between £30,000 to £40,000 annually. This equals to £2,500 to £3,500 per month. You can check the minimum training wages here.

 

Amount of Tax Deduction

Depending on their grade, 17% to 27% tax is deducted from a junior doctor’s salary. You can read about it in detail here.

 

Take-Home Pay

After tax deduction, the salary is around £1,900/month without nights/banding and £2,700/month with nights/banding.

(Night shift is a 12-hour shift in the U.K. You can read about working hours and banding in the UK by clicking the highlighted links)

 

Conclusion

Finances will not be an issue for you in the U.K. Doctors in the UK earn enough to meet all their needs and live a very comfortable life.

 

Frequently Asked Questions

 

1. How Much Pay is Enough?

It depends on your lifestyle and it depends on where you are living. For example, big cities like London and Manchester are more expensive than small towns like Blackpool. But the following might give you a general idea:

£1,900/month is more than enough for a single person and just enough for a couple.

£2,700/month would be more than enough for a couple.

 

2. Would I be Able To Save Money?

Again, that depends on your lifestyle and the area where you choose to live. And, of course, it depends on your salary. It also depends on you being single or living with a spouse.

I’ve seen people with £2,700/month, save £1,000/month for a whole year and I have seen people with £1,900/month not save anything for a year. So it depends on each individual and how they live.

 

3. How much tax would I have to pay on annual earning of £30,000?

There will be two components of tax deductions from your salary.

A. Income tax.
B. National insurance.

 

A. Income Tax on Annual Earning of £30,000

The initial £11,000 would be free of tax. 20% income tax would be deducted from your pay between £11,001 and £30,000.

Earning Deduction % Deduction £
Up to £11,000 0% £0
£11,001 to £30,000 20% £3,800

Total annual income tax deduction: £3,800

 

B. National Insurance on Annual Earning of £30,000

The initial £8,160 would be free of tax. 12% national insurance would be deducted from your pay between £8,160 and £30,000.

Earning Deduction % Deduction £
Up to £8,160 0% £0
£8,160 to £30,000 12% £2,620

Total annual national insurance deduction: £2,620

 

Total Taxation on Annual Earning of £30,000:

£3,800 + £2,620 = £6,420

£6,420 = 21.4% of £30,000

Therefore, the total annual tax deduction on annual earning of £30,000 will be £6,420. This equal to 21.4% of the total earning.

 

4. How much tax would I have to pay on annual earning of £48,000?

There will be two components of tax deductions from your salary.

A. Income tax.
B. National insurance.

 

A. Income Tax on Annual Earning of £48,000:

The initial £11,000 would be free of tax. 20% income tax would be deducted from your pay between £11,001 and £43,000. 40% income tax would only be deducted from your pay between £43,001 and £48,000.

Earning Deduction % Deduction £
Up to £11,000 0% £0
£11,001 to £43,000 20% £6,400
£43,001 to £48,000 40% £2,000

Total annual income tax deduction: £8,400

 

B. National Insurance on Annual Earning of £48,000:

The initial £8,160 would be free of tax. 12% national insurance would be deducted from your pay between £8,160 and £48,000.

Earning Deduction % Deduction £
Up to £8,160 0% £0
£8,160 to £45,000 12% £4,420
£45,001 to £48,000 2% £60

Total annual national insurance deduction: £4,480

 

Total Taxation on Annual Earning of £48,000

£8,400 + £4,480 = £12,880

£12,880 = 26.8% of £48,000

Therefore, the total annual tax deduction on annual earning of £48,000 will be £12,880. This equal to 26.8% of the total earning.

50 thoughts on “Pay Scales for Junior Doctors in the UK”

  1. can you please guide, will a junior doctors salary be enough for covering living costs with a one year old baby? (accommodation, groceries, baby sitting charges etc?)
    btw, thank you for all these guide lines, you really are an encouraging person!

    Like

    1. I am honestly not sure about this. I guess it depends on how many others are dependent on you and if anyone else is helping you financially. It depends on the town you choose to live in. It depends on your lifestyle. If you want, you should be able to make it work.

      And you’re welcome! 🙂

      Like

  2. How did u calculate the annual tax 40% deduction of £45,000 which equals to £5400?
    Won’t it be £22500? ( 45000×40%)

    Pls explain this!
    Thz

    Like

  3. Thanks for your guidance. Your blog has being immensely useful. Please are incomes from calls taxed? My home country only tax basic salary. Is that the same with UK?

    Like

  4. Hello Dr Naseer, thankyou for this well written and inspiring blog. I wanted to ask, what is the average living cost in the UK, like rent and groceries?

    Like

  5. Hi Naseer,
    Kindly provide clarification on this
    how much is the basic salary per year after deductions for FY 1 and FY 2 doctors. Saw somewhere to be 26,614 and 30,805 respectively .
    Thanks

    Like

    1. There is a private setup by the name of NES Healthcare UK. However, they do not have training programs. So if you work for NES, there is no career progression; your experience is less valued. You get better pay. Working hours are interesting. One week at work, one week off.

      So it’s very different from private practice in India.

      Like

      1. Thank you sir.After completing MRCP how much a doctor can earn as a beginner???
        My second question is, how can I become a radiologist in uk???

        Like

  6. Khan your blog is GREAT,everything is well organised and each explanation has a proof link,its really wonderful and very useful.I am highly grateful you created this blog,thanks.

    Liked by 1 person

  7. Aoa, Thank you for all the information. Can you pls tell me that if a person has done FCPS in surgery and has also cleared MRCS exams, now plans to do FRCS. How much will he earn? Will he get a junior doctor salary or senior doctor salary? What would be his take away home money?

    Like

  8. Dr Naseer – thank you so much for putting together this blog! I’m a new graduate and I was comparing the US vs the UK to see which would be a better option for training without straining my parents’ finances (more so than med school already did lol). Your blog has been an immense help in getting me to decide on the UK – thank you very much!

    Like

  9. Thank you for your post. I am having some problem regarding with my basic salary offer. I have 3 years experience post graduation (outside of UK) and in my job offer pay scale is from 27000 to 37000. I have been contacting my HR regarding my salary and havnt gotten reply yet. My question is with my experience, how much should I negotiate with HR? From my knowledge, I think I should get the level of ST1 equivalent. Please help me if you have any experience or info. Many Thanks

    Like

    1. The pay you have been offered is more or less the same as all junior doctors. I don’t think you should worry.

      You can ask your HR. And you can post on Facebook to get other people’s opinions.

      But I wouldn’t worry much. Good luck! 🙂

      Like

  10. My concerns about this salary , is that apparently junior doctors salaries tally with some of the lower salaries in the UK as a Google search suggested teachers probably earn about that..This post suggests its probably a very basic salary to just get by on.How much does typical accomodation like a 2 bedroom apartment for a wife and a kid cost..Will one be able to afford a good car?

    Like

    1. Typical accommodation costs around 400 GBP to 600 GBP per month. In London, it is more expensive. My rent here at hospital accommodation in Portsmouth is only 300 GBP per month. Getting a good car should not be an issue. Most of my friends have been able to afford a car easily. Please go through the FAQs of this post.

      Like

  11. What about schooling? How much does it cost to send a kid to a daycare or kid school typically .I am planning to make this move as I prepare to write plab this November so I kinda want to know if it’s really worth it as it just makes it seem like I m just trying to change my location to only just get by..Thanks

    Like

  12. Dr Nasser Khan! Thank you for being an inspiration to IMGs. Whenever I read from your blog, I feel confident that things will be ok in my PLAB journey. God bless you.

    Like

      1. Thanks for your time , I ll continue to be hopeful that I can make it and fulfill this dream and that it will meet expectation and be worth it.

        Like

  13. hi dr.naseer.finally i found some blog which gave lots of info with clear information and knowlegde about uk plab and mrcp..its is very useful. .. am 2nd year general surgery resident from india.. i would like to do cardiothoracic surgery residency in uk.. can u please share some info regarding CTVS residency in UK. or can u share some blog regarding info. thanks in advance

    Like

    1. It is difficult to get into any surgical specialty in the UK.

      Please read Dr. Omar Alam’s post regarding surgical options in the UK. Check the “Useful Links” section of my blog.

      Like

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