§ Contractor calculator · Locum Doctor
Locum Doctor
take-home calculator.
NHS and private locum doctors. GP locum rates £400–£700/day; consultant locum rates £700–£1,200/day. Inside IR35 status common with NHS engagements; outside more available with private clinics.
§ Quick answer — typical £700/day rate
At £700/day (5 days × 46 weeks = £161,000 gross), the most tax-efficient structure is permanent salary at £96,488 net annual — effective tax rate 40.07%.
- Outside IR35 (Ltd)
- £94,016/yr
- Inside IR35 (Umbrella)
- £84,853/yr
- Permanent salary
- £96,488/yr
Persistent NHS staffing shortage drives steady locum demand. The 2026 NHS rate cap reforms continue to compress published rates but private rates have decoupled.
§ Try your own rate
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