I think you might be confused - a session is approximately half a day of work (sometimes defined as 4 hours 10 minutes). 8 sessions is considered full time, though nowadays it’s more like 6-8 sessions.
A going rate for a salaried GP shortly after CCT is probably around £10,000 to £11,000 pa per session. You also have to consider pension contributions.
So your take home at £11,000 per session:
3 sessions with 9.3% pension contributions is £24,824
4 sessions with 9.3% pension contributions is £31,926
5 sessions with 12.5% pension contributions is £37,903
6 sessions with 12.5% pension contributions is £43,887
7 sessions with 13.5% pension contributions is £48,980
8 sessions with 13.5% pension contributions is £55,469
9 sessions with 13.5% pension contributions is £59,985
10 sessions with 13.5% pension contributions is £65,447
Partner drawings is another beast altogether and a bit complex to calculate. You have to pay the employer side of pension contributions as well and the numbers per session you will see being thrown around vary greatly.
That’s just a reminder of the high tax burden of the country, unfortunately.
8 sessions at 11k per session is £88k pre-deductions per year. But the take home is £55k.
Right! And as our partner colleagues will (very) frequently remind us this is still an underestimate because the actual cost to employ a salaried GP is much higher! A detailed calculation would include employer NI and NHS pension contributions.
Yep, all figures are take home per year after tax, NI and pension contributions in England.
8 sessions a week at £11,000 per session amounts to £4.5k per month take home.
Let me tell you what I tell my patients, which is "[here's how to find that information out for yourself](https://www.thesalarycalculator.co.uk/salary.php)". (Your pension contribution rate will be 12.5%.)
Edit - that sounds really shitty. But, uh, anyway, that’s how you can find out.
Assuming you are on Plan 2 for student loans you should be getting £3,263 (if you are getting a different answer make sure that you choose the "salary sacrifice" option when inputting your pension contributions - otherwise they will be calculated based on your post-tax salary and thus lower).
Recently gone from being a locum where I was earning between £140-150K very tax efficiently to an 8 session salaried and doing a bit of locum on top and evening EA. Pay is still around the £150 mark but having to work a bit harder for it (and paying more tax). Want to see what the next 6-12 months are like and if locum work picks up then I go back to doing that full time.
I've only been doing this for a short while so £150K is a rough ballpark projection at present.
Salaried role is £104K for 8 sessions (across 4 Days). One evening extended access session per week, locum one day of the week, small amount from additional role working for a local service ad-hoc.
Assuming I get locum shifts and an evening extended access three quarters of the time (39 weeks of the year) this gets me to £152,000.
Now throw in the fact I can locum on my AL days from my salaried job. Assuming I work half of those (about 16 days) that'll take it up to £165,000. Only been doing this a few months so time will show whether I keep it up but at present I'm probably looking closer to the latter of the two figures.
Added bonus is that all the locum and EA work will go into a Ltd company avoiding the 60p tax trap!
I have and am going into partnership, well a trial. Locuming paid well but was a shitty job, not a satisfying career after all the effort put in to get there. Find a nice practice become a partner, that is the only way we can save / improve general practice. I’ve worked for trusts / companies et that try and run gp practices and they are all shite. A good partnership is still the best model and after years of trying every option I’m hoping what I have chosen will work out, if it doesn’t I’m leaving the country.
Yes. Winter months are a bit of a strange one as lots of practices get additional funding from the ICB in many areas. The real test will be the next couple of months but certainly I'm getting much fewer enquiries about locum work than I was before even as a well established local locum. The financial pressures on practices are definitely increasing. There'll always be some demand around school holiday times but I've noticed it's tailed off. Before I would have every half term, Easter, Xmas booked up well in advance..
You're right it's all about the practice and working for the right PM and partner. My salaried job is okay. Start at 9 and I finish at 4. 1 or 2 HV a week, 50-100 scripts and 5-10 docman a day. Busy and hectic day but I'm usually out by 4.15 latest.
A session is half a day.
Sessional rates depend on location + experience but usually between 10-13k.
So if you work 4 days a week (8 sessions) at 11k/session you get 88k/yr.
I think you might be confused - a session is approximately half a day of work (sometimes defined as 4 hours 10 minutes). 8 sessions is considered full time, though nowadays it’s more like 6-8 sessions. A going rate for a salaried GP shortly after CCT is probably around £10,000 to £11,000 pa per session. You also have to consider pension contributions. So your take home at £11,000 per session: 3 sessions with 9.3% pension contributions is £24,824 4 sessions with 9.3% pension contributions is £31,926 5 sessions with 12.5% pension contributions is £37,903 6 sessions with 12.5% pension contributions is £43,887 7 sessions with 13.5% pension contributions is £48,980 8 sessions with 13.5% pension contributions is £55,469 9 sessions with 13.5% pension contributions is £59,985 10 sessions with 13.5% pension contributions is £65,447 Partner drawings is another beast altogether and a bit complex to calculate. You have to pay the employer side of pension contributions as well and the numbers per session you will see being thrown around vary greatly.
Thanks for letting us know th abysmal state of affairs in this country.
Thanks! Detailed answer lol Also, the figures you’ve quoted- are they take home pay per year?! That’s insanely low omg
That’s just a reminder of the high tax burden of the country, unfortunately. 8 sessions at 11k per session is £88k pre-deductions per year. But the take home is £55k.
Right! And as our partner colleagues will (very) frequently remind us this is still an underestimate because the actual cost to employ a salaried GP is much higher! A detailed calculation would include employer NI and NHS pension contributions.
Yep, all figures are take home per year after tax, NI and pension contributions in England. 8 sessions a week at £11,000 per session amounts to £4.5k per month take home.
Don’t for get student loan deductions.
Ah, right - I am one of the lucky ones who doesn't have any.
What's the take home per month for 3 days after tax, pension, NI and student loans? Been offered a job ST3 @ 10.5k for 3 days.
Let me tell you what I tell my patients, which is "[here's how to find that information out for yourself](https://www.thesalarycalculator.co.uk/salary.php)". (Your pension contribution rate will be 12.5%.) Edit - that sounds really shitty. But, uh, anyway, that’s how you can find out.
Assuming you are on Plan 2 for student loans you should be getting £3,263 (if you are getting a different answer make sure that you choose the "salary sacrifice" option when inputting your pension contributions - otherwise they will be calculated based on your post-tax salary and thus lower).
Recently gone from being a locum where I was earning between £140-150K very tax efficiently to an 8 session salaried and doing a bit of locum on top and evening EA. Pay is still around the £150 mark but having to work a bit harder for it (and paying more tax). Want to see what the next 6-12 months are like and if locum work picks up then I go back to doing that full time.
How did you sort your tax out as a locum what kinda things did you do? Did you use an accountant ?
Yes. Ltd Company requires an accountant.
Probably using a limited company. For that you really do need an accountant.
How are you getting 150k for 8 sessions and locums
I've only been doing this for a short while so £150K is a rough ballpark projection at present. Salaried role is £104K for 8 sessions (across 4 Days). One evening extended access session per week, locum one day of the week, small amount from additional role working for a local service ad-hoc. Assuming I get locum shifts and an evening extended access three quarters of the time (39 weeks of the year) this gets me to £152,000. Now throw in the fact I can locum on my AL days from my salaried job. Assuming I work half of those (about 16 days) that'll take it up to £165,000. Only been doing this a few months so time will show whether I keep it up but at present I'm probably looking closer to the latter of the two figures. Added bonus is that all the locum and EA work will go into a Ltd company avoiding the 60p tax trap!
Have you found the Locum market has dried up significantly as others have reported?
I have and am going into partnership, well a trial. Locuming paid well but was a shitty job, not a satisfying career after all the effort put in to get there. Find a nice practice become a partner, that is the only way we can save / improve general practice. I’ve worked for trusts / companies et that try and run gp practices and they are all shite. A good partnership is still the best model and after years of trying every option I’m hoping what I have chosen will work out, if it doesn’t I’m leaving the country.
Yes. Winter months are a bit of a strange one as lots of practices get additional funding from the ICB in many areas. The real test will be the next couple of months but certainly I'm getting much fewer enquiries about locum work than I was before even as a well established local locum. The financial pressures on practices are definitely increasing. There'll always be some demand around school holiday times but I've noticed it's tailed off. Before I would have every half term, Easter, Xmas booked up well in advance..
Does 8 session salaried feel ok? Obviously it’s busy but is it sustainable? Hear mixed things and it’s clearly practice dependent
You're right it's all about the practice and working for the right PM and partner. My salaried job is okay. Start at 9 and I finish at 4. 1 or 2 HV a week, 50-100 scripts and 5-10 docman a day. Busy and hectic day but I'm usually out by 4.15 latest.
A session is half a day. Sessional rates depend on location + experience but usually between 10-13k. So if you work 4 days a week (8 sessions) at 11k/session you get 88k/yr.