Locum Doctor take-home calculator
Locum doctor rates vary enormously by grade, specialty and shift type, with out-of-hours and specialist cover at the top end. Many locums weigh umbrella against a limited company carefully.
Typical day rate
£400–£1,200
Inside IR35 take-home*
£82,270/yr
Outside IR35 take-home*
£90,408/yr
*At £700/day over 220 billable days. Outside IR35 (limited company) is £8,139/year better at this rate.
Work out your take-home
Pre-filled with a typical locum doctor rate — change it to match your contract.
Inside IR35 (umbrella)
£82,270/yr
You keep 53% of the contract value
Outside IR35 (limited company)
£90,408/yr
You keep 59% of the contract value
Outside IR35 (limited company) leaves you £8,139/year better off at this rate.
Questions
What is a typical locum doctor day rate in the UK?
Locum Doctor day rates in the UK typically fall between £400 and £1,200, with around £700 a common mid-point. Your rate depends on experience, location, sector and IR35 status.
How much does a locum doctor take home after tax?
At £700 a day over 220 billable days, take-home is roughly £82,270 inside IR35 (umbrella) or £90,408 outside IR35 (limited company) for 2025/26. Adjust the calculator for your exact figures.