Free, accurate financial tools built by a consultant anaesthetist for all UK healthcare professionals. Understand your take-home pay, pension tax, the 60% trap, and exactly what you can do about it.
Each calculator is built around the specific situations NHS doctors actually face — not generic tax tools repurposed from accountancy software.
The only NHS pay calculator that properly handles all three pension schemes — 1995, 2008, and 2015 CARE — including split membership and the McCloud remedy.
Enter figures from your NHS Pension Savings Statement and find out exactly whether you owe a pension tax charge — and precisely what to do about it.
The calculator for the reality of NHS life — multiple income streams, non-standard tax codes like 218T and D0, rental income, and private practice all in one calculation.
A running year-long tracker. Enter figures each month from your payslips and get live advice — including exactly how many extra locum shifts you can safely take this month.
GK Medic was built by a consultant anaesthetist who got tired of seeing colleagues blindsided by tax bills they could have avoided with the right information.
Every scenario — 218T codes, D0 on locum bank, split pension membership, the McCloud remedy — comes from real situations faced by real NHS doctors.
All calculations happen in your browser. Nothing is sent to any server. Your financial information stays private. Always.
These are estimation tools, not regulated financial advice. We tell you that clearly, and we point you toward qualified advisers when you need them.
Rates, thresholds, and pension contribution tiers are kept current. April 2025 changes are already reflected in the 2025/26 tools.
Whether you're a consultant, junior doctor, GP, nurse, AHP or pharmacist — juggling locum work, rental income, or private practice — there's a tool here for your situation.
Tools our calculators reference and recommend. All independently chosen — we only mention platforms we'd genuinely use ourselves.
Everything you need to know before you start using the tools.
GK Medic (gkmedic.co.uk) provides free financial estimation tools and educational information for healthcare professionals in the United Kingdom. The calculators and information on this website are provided for general information and estimation purposes only and do not constitute financial advice, tax advice, or any other form of regulated advice.
Results produced by these tools are estimates based on standard UK tax rules for the 2024/25 and 2025/26 tax years. Individual circumstances vary and your actual tax position may differ. You should not rely solely on these tools when making financial or tax decisions.
GK Medic is not regulated by the Financial Conduct Authority (FCA). For personalised financial and tax advice, please consult a qualified Independent Financial Adviser (IFA) or tax adviser who is regulated and authorised to provide such advice. For pension-specific queries, contact NHS Pensions directly at nhsbsa.nhs.uk/nhs-pensions.
Tax rates, thresholds, and pension rules are updated regularly. While we aim to keep these tools current, always verify figures with HMRC or your employer's payroll department.