Interactive NHS Doctor Payslip Explainer
This is Dr A Farm's August payslip: a full-time FY1 on 44 hours a week, 1 in 6 weekends and 8 hours of nights a week, at a London trust, in the NHS pension, on a Plan 2 student loan, paying £98 a month to park. Point at any part of the payslip to understand what it means.
Correct as of
| ASSIGNMENT NUMBER20461137 | EMPLOYEE NAMEDR. A. FARM | LOCATIONSt Bleep's Hospital | |||||||||||||||||||||
| DEPARTMENTAcute Medicine | JOB TITLEFoundation Year 1 (FY1) | PAYSCALE DESCRIPTIONFoundation Doctor Year 1 | |||||||||||||||||||||
 | SAL/WAGE41226.00 | INC. DATE04 AUG 2027 | STANDARD HRS.40.00 | PT SAL/WAGE41226.00 | |||||||||||||||||||
| TAX OFFICE NAMENowhere and District | TAX OFFICE REF000/X00000 | TAX CODE1257L | NI NUMBERQQ123456C | ||||||||||||||||||||
| PAY AND ALLOWANCES (- = MINUS AMOUNT) | DEDUCTIONS (R INDICATES REFUND) | ||||||||||||||||||||||
| DESCRIPTION | WKD/ | PAID/DUE | RATE | AMOUNT | DESCRIPTION | AMOUNT | BALANCE C/F | ||||||||||||||||
| Basic PayAddn Roster Hours NPNight Duty 37%Weekend <1in5-1in6Ldn Zone | 173.8117.3834.76 | 173.8117.3812.86 | 19.765819.765819.7658 | 3435.50343.55254.23171.78180.17 | PAYENI ANHS Pension 9.8%Student LoanCar ParkingDoctors Mess | 596.68255.25354.34174.2898.0020.00 | |||||||||||||||||
| Year To Date Balances (This Employment Only) | This Period Summary | ||||||||||||||||||||||
| GROSS PAY | 21926.15 | TAXABLE PAY | 20154.45 | PENSIONABLE PAY | 3615.67 | TAXABLE PAY | 4030.89 | ||||||||||||||||
| NI LETTER | A | TAX PAID | 2983.40 | TAX PERIOD | 5 | NON-TAXABLE PAY | 0.00 | ||||||||||||||||
| NI PAY | 21926.15 | OTHER NI PAY | PREVIOUS TAXABLE PAY | 0.00 | FREQUENCY | Monthly | TOTAL PAYMENTS | 4385.23 | |||||||||||||||
| NI CONTS | 1276.25 | OTHER NI CONTS | PREVIOUS TAX PAID | 0.00 | PERIOD END DATE | 31 AUG 2026 | TOTAL DEDUCTIONS | 1498.55 | |||||||||||||||
| PENSIONABLE PAY | 18078.35 | PENSION CONTS | 1771.70 | PAY DATE | 26 AUG 2026 | NET PAY2886.68 | |||||||||||||||||
| MEMBERSHIP REF NUMBER | EMPLOYEE NO. | 20461137 | PAY METHOD | BACS | |||||||||||||||||||
Lines you might have that this example does not
- Flex PT Trans 2019
- The less-than-full-time allowance. A flat £1,000 a year, split across the months you are LTFT. It is the same cash whether you work 60% or 80%.
- NROC Availability
- Paid for being available on call from home, at 8% of your basic salary. Registrar level in practice.
- Flexible Pay Premium
- Extra pay for a hard-to-fill specialty, printed with the specialty in the name, so a core psychiatry trainee sees Flex Pay Psych Core. GP, emergency medicine, psychiatry, histopathology, oral and maxillofacial surgery and academic posts have one.
- Cash Floor / Pay Protection
- A top-up for anyone who moved from the old contract to the 2016 one and would otherwise have been paid less. It protects your old pay rate rather than adding to it.
- Bank / Locum
- Extra shifts through the trust's own bank. Taxed as normal pay, and it does not count towards your pension.
A finances crash course for resident doctors
Nobody actually teaches you any of this. I am putting together a short course on how your money works as a doctor: reading your own payslip, why your tax code goes wrong, what the pension is really worth, what changes if you go less than full time, and what to do with whatever is left over. Tick what you want covered and I will get it to you first.
