England & Wales · Tax year 2026/27 · Sole trader locums Illustrative estimates only — not tax, pension, or financial advice. Not covered: Scotland/NI pension tiers · limited company or agency PAYE · student loan repayments · annual allowance tapering

Locum GP Session Rate Calculator

Find out what a session rate is actually worth in your pocket — or work backwards from the take-home income you want.

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Why this matters

Itemised expenses
Salaried comparison