Financial tools built for UK GPs
Built by a working GP. Understand your NHS pension, calculate your true locum rate, model your retirement and make better financial decisions.
- Built by a GP
- Based on NHSBSA, HMRC & other primary sources
Popular GP tools
The ones GPs and locums open most.
NHS Pension Calculator
See how your NHS pension could look at different retirement ages.
Use tool →Locum Tax Calculator
Work out tax, NI and take-home pay from your locum fees.
Use tool →Salaried vs Locum Calculator
Compare the real financial value of salaried and locum work.
Use tool →NHS Pension vs SIPP
Compare your NHS pension with private pension saving.
Use tool →What do you need to work out?
Find the right tool for your situation.
Planning your retirement
Guides
View all →Getting Started as a Locum GP
The complete checklist from CCT to your first session: performers list, indemnity, the paperwork practices ask for, HMRC, invoicing, pension forms and what to charge.
Read guide →GP Locum Rates
Why there is no official rate, what competition law lets you share, and the salaried pay range as a yardstick.
Read guide →Making Tax Digital for Locum GPs
Who is in scope, the quarterly deadlines, why the employer pension contribution stays out of turnover, and the filing routes.
Read guide →NHS Pension Explained
How the scheme really works: accrual, contribution tiers, revaluation, and annualisation for locums.
Read guide →GP Locum Tax Guide
Every deduction that comes out of a newly qualified locum's fees: tax, Class 4 NI, student loan, pension, expenses and the first 31 January.
Read guide →Sole Trader vs Limited Company
Why NHS locum work through a company loses the NHS pension, 2026/27 company tax, IR35 explained, and worked figures at three fee levels.
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 →NHS Pension vs SIPP
How the 2015 CARE pension and a SIPP compare: the employer contribution, break-even return, death and survivor benefits, and tax. Facts, not advice.
Read guide →Hypothetical Annuity Cost
The big number on your Total Reward Statement: what it measures, why it is so large, and why it is not a transfer value.
Read guide →Projections and figures are based on what you enter. Not financial advice, speak to a regulated adviser before making decisions.