Tools & calculators
Free calculators for NHS GPs and locums. Everything runs in your browser — your figures aren't sent anywhere.
NHS Pension Calculator
Model your 1995/2008, 2015 CARE, and private pension income across different retirement ages.
Open tool →Locum Tax Calculator
Work out what to set aside from your locum fees for tax and National Insurance.
Open tool →GP Locum Session Rate Calculator
Turn a target take-home income into the session rate you need to charge.
Open tool →NHS ERRBO Calculator
Weigh up buying out your early retirement reduction — cost, break-even age, and the bridging-pot alternative.
Open tool →NHS Pension vs SIPP
Compare the NHS 2015 CARE pension with investing the same contributions in a SIPP — income, break-even return, and death benefits.
Open tool →Annual Allowance Calculator
Work out your annual allowance charge — the taper with its workings shown, carry forward, the band-by-band charge, Scheme Pays and the tax return boxes.
Open tool →McCloud Remedy Calculator
Compare your 2015–2022 service as 1995/2008 Section benefits against 2015 Scheme benefits — at every retirement age, and the age the answer flips.
Open tool →Salaried vs Locum Calculator
Compare a salaried session rate against a locum rate like-for-like — total package with paid leave, pension and benefits, plus the break-even locum rate.
Open tool →Locum Invoice Generator
Build and download a professional PDF invoice for a GP practice — your bank details, session rates, and the optional NHS pension employer contribution line.
Open tool →Locum Form A & Form B Filler
Fill the official NHS Pensions locum forms — the 90%, the 14.38%, every Form B total, and a warning before the 10-week deadline passes.
Open tool →Know when these calculators are updated
Every tool here is built on rates that change each April. Leave your email and I'll keep you updated on changes to these figures for the new tax year and any related GP finance news — pensions, tax and locum money. Unsubscribe any time.