2026/27 Guides
🏥 NHS 📚 Teacher 👮 Police 🩺 Locum 💼 Contractor
Your details
£
PC / Sergeant / Inspector scales vary by force. Enter your pensionable base pay.
London weighting is pensionable in most forces and counted for tax.
Police Pension (2015 Scheme) member contribution based on pensionable pay. Edit if your force differs.
Take-home per month
£0
Annual £0 | Effective rate 0%
Gross £0 · Pension £0
Where your pay goes
0%
take home
Police Pension (2015): contributions are based on pensionable pay (includes London weighting in most forces) and you build a career-average "CARE" pension. The 2015 scheme has a normal pension age linked to your State Pension age.

How the police take-home calculator works

Police officers in England, Scotland and Wales are paid on force-negotiated scales, but the take-home maths is the same as any employee: salary minus Income Tax, National Insurance, your Police Pension contribution and any student loan. The big difference is the pension — the Police Pension (2015 Scheme) is a career-average (CARE) scheme with member contributions that step up with pensionable pay.

Police Pension (2015) contribution tiers 2026/27

Member contributions are a percentage of pensionable pay (your base salary plus most allowances, including London weighting). Typical tiers run from about 11.1% at the lowest band up to 14.27% for the highest earners. Because these are deducted before tax, they also reduce your taxable income — so a higher contribution lowers both your take-home and your Income Tax bill.

London weighting

Metropolitan Police and several other forces pay London weighting, which is pensionable and taxable. Enter the right amount for your force using the dropdown so it's included in both tax and pension calculations.

Student loans

If you have a Plan 1, 2, 4, 5 or Postgraduate loan, select it and we'll estimate the 9% (or 6% for postgrad) deduction above the relevant threshold. Most new officers from 2023 onwards are on Plan 5.

See how student loan interest rates work →