Assumptions and pay data
Pay data: NHS Consultant Contract (England, 2003). Consultant (2003 contract): £113,565 to £150,569, rates from 1/4/2026. Checked 7/10/2026.
- Tax year 2026/27 (6/4/2026 to 5/4/2027): this take-home estimate is for the current tax year. Income tax, National Insurance and pension use 2026/27 rules. England, Wales and Northern Ireland. Scotland uses different income tax bands.
- Gross pay from bands: Uses salary figures from our datasets (e.g. AfC, STPCD, NJC). Each dataset notes its pay-scale year; figures may match an earlier pay award until the site data is refreshed. Your net result is still modelled for 2026/27 tax.
- Income tax: personal allowance £12,570 (tapered above £100k), basic 20% to £50,270, higher 40% to £125,140, additional 45% above.
- National Insurance: primary threshold £12,570, 8% on earnings up to £50,270, 2% above. Pension contributions don't reduce NI. We use the net pay arrangement, as the main public sector schemes do: pension comes off before income tax, but not before NI.
- Pension: pre-filled with the 2026/27 member rate for your role's usual scheme at the salary shown (one rate on all pensionable pay, picked by how much you earn). Enter the rate from your payslip if it differs. Student loan and other deductions aren't included.
What will you actually take home?
EnglandNHS consultant contract (England 2003), not Agenda for ChangeFramework from 1/4/2026
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Guide for Consultant
This guide explains how we estimate take-home pay for Consultant on Consultant (2003 contract) at NHS for the 2026/27 tax year. Your payslip may differ if you have student loans, salary sacrifice or tiered pension contributions.
Take-home pay for Consultant
This page estimates net pay for Consultant at NHS using illustrative gross pay on Consultant (2003 contract) from NHS Consultant Contract (England, 2003) for the 2026/27 tax year (6/4/2026 to 5/4/2027). Scotland uses different income tax bands.
2026/27 tax year model
This calculator estimates net pay for 6/4/2026 to 5/4/2027 using England, Wales and Northern Ireland income tax bands and Class 1 National Insurance. Scotland uses different income tax rates.
Gross from your band
Select your band and years in band to pull gross pay from our dataset, or enter a custom gross figure. Pension is pre-filled with the 2026/27 member rate for your role's usual scheme at that salary (most schemes charge one rate on all your pay, set by how much you earn). Type your own rate from your payslip if it differs.
What may differ on your payslip
Student loan repayments, salary sacrifice, benefits in kind, tax code adjustments and scheme-specific pension tiers are not fully modelled. Use Advanced options where available, or your employer's payroll for exact figures.
Example scenario
Illustrative example at bottom of band (matches calculator defaults)
| Band / grade | Consultant (2003 contract) |
|---|---|
| Gross pay (example) | £113,565 |
| Estimated net (2026/27, 12.5% pension) | £67,907 |
| Estimated monthly net | £5,659 |
Frequently asked questions
How is gross pay set for Consultant?
Pick the consultant pay scale and years of seniority to pull illustrative basic pay, or enter a custom gross salary from your payslip.
What tax year does this use?
England illustrative tax and NI for the stated tax year on the page. Scotland, Wales and NI can differ.
Are the results gross or net? Do you store my data?
All figures are gross (before tax, National Insurance and pension) unless the page says otherwise. Your calculator inputs and results stay in your browser and are not stored. We only collect your name and email if you choose to give them, for example to download your results or sign up for email updates. We store them with MailerLite, our email provider, along with the page you were on. See our privacy policy.
About this role
What is a Consultant?
A Consultant is a senior doctor who has completed specialty training (CCT or equivalent). They lead clinical care, train juniors and often hold management or research roles. Pay is on the national consultant contract (England) or equivalent, not Agenda for Change.
Typical demands, progression and balance
Consultant roles offer clinical leadership, autonomy and high impact. Pay and satisfaction depend on specialty, contract and additional work. Progression to clinical director, medical director or academic roles is common.
What will I take home?
Use the calculator above to see an illustrative take-home for the 2026/27 tax year. Gross comes from our pay datasets; tax and NI use current-year rules. Your actual payslip may differ due to pension tiers, student loan or other deductions. Scotland uses different income tax bands.
Disclaimer
Illustrative estimates, not financial or career advice. Your payslip and contract decide what you are actually paid.