UK Taxation – how much tax will I pay as an NHS doctor?

  • July 07, 2022
 

As an NHS employee, you will pay Income Tax and National Insurance on your wages through the PAYE system. 

Overseas doctors will have tax and national insurance automatically deducted from their monthly salary. How much deducted depends on how much you earn. 

PAYE stands for Pay As You Earn

Some income is tax-free. You can earn a certain amount of income each year, called your Personal Allowance, before you need to pay any Income Tax. 

The personal allowance is a fixed amount set against your gross income. 

In all four UK countries, the Personal Allowance is set at £12,500 (tax-free income). It is worth noting that if you earn more than £125,000 you will not receive a personal allowance. 

The Personal Allowance will also be set at £12,500 for 2020/21. 

Any pay above the personal allowance is then taxed according to your salary and pension. 

Tax bands in England, Wales & Northern Ireland

Band

Taxable income

Tax rate

Personal Allowance

Up to £12,500

0%

Basic rate

£12,501 to £50,000

20%

Higher rate

£50,001 to £150,000

40%

Additional rate

over £150,000

45%

How much you pay is fixed as a percentage according to a band system. In Scotland the tax bands vary from those set in England, Wales and Northern Ireland, see below: 

Tax bands in Scotland

Band

Taxable income

Scottish tax rate

Personal Allowance

Up to £12,500

0%

Starter rate

£12,501 to £14,549

19%

Basic rate

£14,550 to £24,944

20%

Intermediate rate

£24,945 to £43,430

21%

Higher rate

£43,431 to £150,000

41%

Top rate

over £150,000

46%


You can check that you are paying the right amounts using this online government tool. This will allow you to check the following your Personal Allowance and tax code are accurate. As well as helping you to understand how much tax you’ve paid in the current tax year and how much you’re likely to pay for the rest of the year. Your NHS employer will set your salary, and you will be automatically set up to pay your pension, tax and national insurance. However, at IMG Connect we think that it’s important to check you have the right tax code and are paying the right amount. 

Can I make any more savings? 

You will get tax relief on your pension payments. The NHS pension scheme is an attractive one, with very few schemes in the UK even coming close to this benefit. Find out more about your NHS benefits here.

Getting started

For more information on NHS doctor benefits and pay arrangements in the UK, take a look at our IMG Resources library. 

            

 

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99,532 - £107

An NHS district general hospital in the West Midlands is looking for a Specialist Grade Haematologist with an interest in haemato-oncology, laboratory haematology and blood transfusion. The Haematology department comprises a team of 3 consultants and is supported by a large team of middle grade doctors. This Haematology job is open to both international applications and UK-based doctors, though those with European Specialist or FRCPath (or equivalent) are most encouraged to apply.

Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case by case basis.

JOB REQUIREMENTS AND DETAILS

FRCPath (or equivalent) and broad experience in clinical and laboratory haematology are required for this role, and anyone with an interest in clinical trials, haemato-oncology, education, or blood transfusion should apply. The salary will be between £96,990 to £107,155 dependent on experience or grade.

CORE DUTIES OF THIS ROLE

  • Provide clinical support in both inpatient and outpatient settings, working closely with consultants and the multidisciplinary team.

  • Participate in the delivery of chemotherapy and specialist care via the dedicated oncology/haematology unit.

  • Contribute to clinical governance, teaching of junior doctors and nurse practitioners, and development of service pathways.

  • Assist with laboratory haematology duties including blood film reporting, and advise on transfusion and diagnostic services.

LIFE IN THE WEST MIDLANDS

This hospital is located in a picturesque region of the West Midlands, with access to both rural retreats and small city living. Residents enjoy a mix of traditional market towns and vibrant city centres, with good schools, easy rail access to Birmingham, and plenty of green spaces for outdoor activities. The area has deep historical roots, from medieval cathedrals to Roman forts, offering a unique combination of heritage and modern living.

HOW WILL IMG CONNECT SUPPORT YOU?

When applying with IMG Connect you’ll have the full support of an expert recruitment team who will be your recruitment and relocation partners throughout the process. We\'ll support you with:
CV Preparation with a bespoke session with one of our specialists
Application support with expert knowledge of NHS specialisms & recruitment practice
At least two video calling interview preparation sessions
Contract and offer negotiations for salary, relocation packages, tenure and more
Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting to your new role including:
Document gathering and checking COS and Visa Application support if applicable
Support sourcing short- and long-term accommodation
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105,504- 139,882

An NHS hospital in South East England is looking for a Consultant in Clinical Oncology with an interest in Upper and Lower GI cancers. The Oncology department comprises a team of four Clinical Oncologists and a Consultant Radiographer, supported by a large team of middle-grade doctors. This Clinical Oncology job is open to both international applications and UK-based doctors, though those with European Specialist Registration, GMC Specialist Register, CCT, or CESR are most encouraged to apply.

Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case-by-case basis.

JOB REQUIREMENTS AND DETAILS

GMC registration with a license to practice, CESR, or a GMC-recognised qualification such as FRCR is required for this role. Anyone with an interest in Upper and Lower GI cancer should apply. The salary will be between £105,504 – £139,882 dependent on experience.

CORE DUTIES OF THIS ROLE

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  • Participate in multidisciplinary team (MDT) meetings across sites to coordinate treatment.

  • Contribute to research and clinical trials within the Oncology department, promoting innovation in GI cancer treatment.

  • Engage in teaching opportunities with medical students and junior doctors, especially in preparation for the launch of a new postgraduate medical programme.

LIFE IN SOUTH EAST ENGLAND

This hospital is located in the South East of England, a region known for its mix of lively coastal cities and peaceful countryside towns. It offers great transport links to London, top-performing schools, and diverse leisure options, including historic landmarks, nature trails, and vibrant cultural scenes. The area is rich in maritime and military history, making it a unique and engaging place to live and work.


HOW WILL IMG CONNECT SUPPORT YOU?

  • CV Preparation with a bespoke session with one of our specialists

  • Application support with expert knowledge of NHS specialisms & recruitment practice

  • At least two video calling interview preparation sessions

  • Contract and offer negotiations for salary, relocation packages, tenure, and more

  • Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting your new role including:

    • Document gathering and checking

    • COS and Visa Application support if applicable

    • Support sourcing short- and long-term accommodation

    • Travel arrangements

    • Family support for finding schools and any other aspects of pastoral care

105,504 to 139,882

An NHS district general hospital in Yorkshire is looking for a Consultant Dermatologist with an interest in skin cancer and minor skin surgery. The Dermatology department comprises a team of locum consultants, an experienced Specialty Doctor, and a Biologic Nurse Consultant, supported by a large team of middle grade doctors. This Dermatology job is open to both international applications and UK-based doctors, though those with European Specialist or MRCP (UK) or SCE are most encouraged to apply.

Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case-by-case basis.

JOB REQUIREMENTS AND DETAILS

Full GMC registration and significant experience in general dermatology and minor surgery, are required for this role. Anyone with an interest in skin cancer management and dermatological surgery should apply. The salary will be between £109,725 and £145,478 dependent on experience or grade.

CORE DUTIES OF THIS ROLE

  • Deliver high-quality general dermatology services, including urgent and routine outpatient clinics.
  • Participate in subspecialty clinics, particularly for skin cancer diagnosis, management, and surgery.
  • Contribute to departmental management, teaching, and supervision of junior doctors and medical students.
  • Support service development and clinical governance through audit, guideline development, and education initiatives.

LIFE IN THE NORTH OF ENGLAND

???????This hospital is situated in the north of England, with popular residential areas including vibrant cities and picturesque countryside locations. Urban dwellers may enjoy city life in places like Sheffield or Leeds, while rural enthusiasts might prefer the surrounding villages and national parks. The region offers great schools, excellent transport connections, and a wide variety of leisure activities for all lifestyles. Historically significant for its industrial roots, the area remains a vital and evolving part of British heritage and modern living.

HOW WILL IMG CONNECT SUPPORT YOU?

When applying with IMG Connect you’ll have the full support of an expert recruitment team who will be your recruitment and relocation partners throughout the process. We\'ll support you with:

  • CV Preparation with a bespoke session with one of our specialists
  • Application support with expert knowledge of NHS specialisms & recruitment practice
  • At least two video calling interview preparation sessions
  • Contract and offer negotiations for salary, relocation packages, tenure and more

Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting to your new role including:

  • Document gathering and checking COS and Visa Application support if applicable
  • Support sourcing short- and long-term accommodation
  • Travel Arrangements
  • Family support for finding schools and any other aspects of pastoral care
105,504- 139,882

An NHS cancer centre in Northern Ireland is seeking a Consultant Clinical Oncologist with a specialist interest in Upper GI and Breast cancers. The department includes 11 oncology consultants and is supported by a team of middle grade doctors and specialty trainees. This position is open to both UK-based and international doctors, particularly those with FRCR or European Specialist Registration.

Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case-by-case basis.

JOB REQUIREMENTS AND DETAILS

Applicants should have full GMC registration and at least 6 years of postgraduate experience in Clinical Oncology. The salary for this role is between £88,799 and £119,723, dependent on experience.

CORE DUTIES OF THIS ROLE

  • Manage patients with Upper GI and Breast cancers across inpatient and outpatient settings.

  • Engage in tumour site-specific MDTs and contribute to treatment planning and decision-making.

  • Support the training and mentoring of oncology registrars and junior doctors.

  • Contribute to service development, teaching, and clinical governance.

LIFE IN NORTHERN IRELAND

Based in the north-west region of Northern Ireland, this location offers both city and rural living, with access to scenic countryside, the coast, and neighbouring towns. The area features well-rated schools, convenient transport infrastructure, and rich opportunities for cultural, historical, and recreational pursuits. It’s a growing destination for healthcare professionals seeking balance between professional development and quality of life.


HOW WILL IMG CONNECT SUPPORT YOU?*

  • CV Preparation with a bespoke session with one of our specialists

  • Application support with expert knowledge of NHS specialisms & recruitment practice

  • At least two video calling interview preparation sessions

  • Contract and offer negotiations for salary, relocation packages, tenure and more

  • Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting to your new role including:

  • Document gathering and checking

  • COS and Visa Application support if applicable

  • Support sourcing short- and long-term accommodation

  • Travel Arrangements

  • Family support for finding schools and any other aspects of pastoral care

107,144 - 142,369
An NHS teaching hospital in Scotland is looking for a Consultant Haematologist with an interest in Thrombosis and Obstetrics Haematology. The Haematology department comprises a team of 8 consultants and is supported by a large team of middle grade doctors. This Haematology job is open to both international applications and UK-based doctors, though those with European Specialist or FRCPath qualifications are most encouraged to apply.

Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case by case basis.

CORE DUTIES OF THIS ROLE
  • Deliver Haematology services across multiple NHS hospital sites, with inpatient care based at the main centre.
  • Conduct outpatient clinics, lab-based diagnostics, MDT participation, and administrative responsibilities.
  • Participate in the on-call rota (1 in 8), including weekend ward rounds and lab duties.
  • Support the development of junior doctors and engage in audit, research, and quality improvement.
LIFE IN SCOTLAND

The hospital is based in the central belt of Scotland, with urban living options like Glasgow and more rural choices such as the Clyde Valley. The region offers a good range of schools, strong public transport, and plenty of leisure activities for both professionals and families. Historically rich and industrially significant, this area has evolved into a hub for modern healthcare delivery and research.

HOW WILL IMG CONNECT SUPPORT YOU?

When applying with IMG Connect you’ll have the full support of an expert recruitment team who will be your recruitment and relocation partners throughout the process. We\'ll support you with:
  • CV Preparation with a bespoke session with one of our specialists
  • Application support with expert knowledge of NHS specialisms & recruitment practice
  • At least two video calling interview preparation sessions
  • Contract and offer negotiations for salary, relocation packages, tenure and more
Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting to your new role including:
  • Document gathering and checking COS and Visa Application support if applicable
  • Support sourcing short- and long-term accommodation
  • Travel Arrangements Family support for finding schools and any other aspects of pastoral care

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