Free financial tools for NHS GPs and locums
Built by a working GP — plus plain-English guides to NHS pensions, tax, and the McCloud remedy.
- NHS Pension Planner
- Locum Tax Calculator
- Rate Setter
Projections and figures are based on what you enter. Not financial advice — speak to a regulated adviser before making decisions.
Tools
View all →NHS Pension Planner
Model your 1995/2008, 2015 CARE, and private pension income across different retirement ages.
Open tool →Locum Tax Calculator
Work out what to set aside from your locum fees for tax and National Insurance.
Open tool →Take-Home Rate Setter
Turn a target take-home income into the session rate you need to charge.
Open tool →Guides
View all →NHS Pension Explained
How the scheme really works — accrual, contribution tiers, revaluation, and annualisation for locums.
Read guide →Locum GP Pension Guide
Forms A and B, the 90% rule, the 10-week deadline, and the annualisation traps that cost locums pension.
Read guide →Type 2 Forms Explained
The self-assessment form for salaried and sessional GPs — who files, annualisation, and the deadlines.
Read guide →Annual Allowance
Pension input amounts, the tapered allowance, carry forward and Scheme Pays, with 2026/27 figures.
Read guide →McCloud Remedy
The choice you'll face on your 2015–2022 service, the timelines, and the tax side that needs action.
Read guide →ERRBO
Buying out the early retirement reduction — what you can buy, what it costs, and whether it's worth it.
Read guide →