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 →
Free to start — on iPhone, Android and the web
Locum? Do the admin on your phone
GP Locum logs your sessions, raises your invoices, fills your NHS Pension Form A and Form B, and gets your Making Tax Digital updates ready. Made by the same GP as this site.
On the App Store for iPhone, Google Play for Android, and at gplocumapp.co.uk on any computer. Sign in on both and they stay in step.
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 →Locum GP Software and Apps
GP Locum App, Locum Organiser, My Locum Manager and NASGP's LocumDeck side by side, plus a spreadsheet or an accountant: what each costs, free trials, pension forms and MTD.
Read guide →NHS Email for Locum GPs
Keep your nhs.net address when training ends: move it to the GP locum organisation within 30 days, with a Microsoft 365 licence, and an email you can copy.
Read guide →Locum GP Indemnity and Insurance
What the state scheme covers, why you still need an MDO, income protection, car insurance, and the locum cover insurance practices buy.
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 →Portfolio GP Roles
Trainer, appraiser, teaching, examining, tribunal, medical examiner, CQC and expert witness work, with what each pays where it is published.
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 for GPs
How the scheme really works: accrual, what you'll get, 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 →The 1995 and 2008 Sections
How legacy NHS pensions are worked out: final salary for hospital doctors, career average with dynamising for GPs, lump sums and the final salary link.
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 →PCSE Pension Record Wrong or Missing
Wrong figures or missing years on your NHS pension record: who corrects it, what to send PCSE, and how to complain and escalate.
Read guide →Retiring as a GP
Early, partial and 24-hour retirement, ill health retirement, lump sums, death in service, and when to apply through PCSE.
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 →Transferring an NHS Pension to a SIPP
Why it is almost never allowed, the one exception, where an NHS pension can go, and what doctors who want a SIPP do instead.
Read guide →What Is the 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.