Spot NHS pension and tax surprises before they become expensive
Use your own payslips, P60s, pension statements, and TRS evidence to check NHS pay, pension, and tax risk earlier. Model annual allowance, McCloud, Scheme Pays, and career decisions such as locum work, LTFT, and retirement timing before the paperwork catches you out.
- GDPR-compliant document handling
- 1995, 2008 & 2015 pension schemes
- McCloud remedy & carry-forward
- UK tax year 2025/26 data
- NHS pay regions & devolved tax where applicable
For educational purposes only · Not financial advice · Independent platform; not affiliated with the NHS or any government health body · Consult a qualified adviser for personal planning
20+
NHS calculators
3
Pension schemes (1995 / 2008 / 2015)
2026/27
Current tax year data
McCloud
Remedy & carry-forward support
England, Scotland, Wales & Northern Ireland
Staff choose an NHS pay region for pay references. Tax calculators support Scottish income tax bands when you are a Scottish taxpayer, recognise Welsh PAYE coding and Welsh rates of income tax where they apply, and treat Northern Ireland with UK income tax bands (aligned with England), not the Scottish schedule.
- Four NHS pay regions in your profile
- Scottish income tax bands when applicable
- Welsh taxpayer codes and devolved rates awareness
- Northern Ireland: UK income tax, regional pay sources
Are you at risk of an annual allowance tax charge?
The annual allowance limits how much your pension can grow tax-free each year. For NHS staff with extra sessions, CEAs, or recent pay rises, the NHS pension alone can push you over the limit, which can trigger a tax charge at your marginal rate. Many don't find out until they receive a Pension Savings Statement.
Includes risk checks, Pension Savings Statement guidance, and when to use our calculators.
2026/27 key figures
Tax charged at your marginal rate on excess growth. Carry forward may reduce or eliminate the charge.
The NHS financial moments worth checking before they become urgent
These are the decisions and deadlines where NHS evidence matters most. Use the guides to understand what to gather, then use calculators and document analysis to work from your own figures.
Annual allowance
Check pension growth, carry-forward, and tax-charge exposure before the statement lands.
Read guideMcCloud remedy
Understand remedy evidence and decision points before discussing options with NHS Pensions or an adviser.
Read guideScheme Pays
Review election timing and the pension impact when an annual allowance charge is in scope.
Read guideEmergency tax
Use payslips and HMRC context to spot coding problems and evidence what needs checking.
Read guideRetirement timing
Model retirement benefits, lump sum choices, and NHS scheme context before major date decisions.
Read guide
See how document analysis works
No sign-up required. Try uploading a sample NHS document and see how AI proposes extracted figures for your review.
Upload NHS Document
Drag & drop any NHS pension or pay document
Click to upload NHS document
Supports: Payslips, Pension Statements, P60s, Annual Reviews
Specialised NHS evidence analysis
Automatic processing for your most important NHS pension, pay, tax, and professional evidence.
NHS Pension Documents
Annual Benefit Statements, Total Reward Statements, Pension Savings Statements
NHS Pay Documents
Monthly Payslips, P60s, Clinical Excellence Awards
Tax & Allowance
Annual Allowance Statements, Self Assessment, Pension Input Statements
Protection & Transitions
Protection Status, Scheme Transitions, McCloud Documents
Death & Retirement
Death Benefits, Nomination Forms, Retirement Estimates
Training & Education
E-Portfolio, ARCP Outcomes, CCT, Educational Reports, MSF, Exam Results
Clinical Documentation
MDT Documentation, Clinical Audits, Research, Incident Reports, Patient Feedback
Professional Registration
GMC registration, licence to practise, professional indemnity, specialist registration
Evidence-led NHS pension, pay, and tax intelligence
AI document analysis, NHS-specific calculators, and specialist handoff tools so every question starts from source evidence.
AI-assisted document analysis
Upload payslips, pension annual statements, P60s, and TRS documents. AI proposes extracted figures for your review so every calculation starts from your actual evidence.
- 20+ NHS document types supported
- Pension input period & carry-forward context
- Tax and NI breakdown from payslips
20+ NHS-specific calculators
Model every significant financial decision (extra sessions, locum vs salaried, scheme pays, LTFT, retirement timing, McCloud remedy impact) with current NHS and HMRC data.
- Annual allowance & carry-forward
- 1995, 2008 & 2015 scheme projections
- Take-home pay across all pay bands
NHS-aware AI chat
Ask plain English questions about your pension, pay, tax, and McCloud situation. Answers refer to your uploaded documents and current NHS rules; treat them as a starting point, not regulated advice.
- Grounded in your own documents
- NHS pension, pay & tax knowledge
- Persistent chat history
From your first document to a decision you can act on
- 1
Upload your NHS evidence
Payslips, pension annual statements, P60s, TRS — any combination. AI proposes extracted figures for your review before they're used in any calculation.
- 2
Run the calculator for your question
Annual allowance charge risk? McCloud remedy impact? Scheme Pays? LTFT take-home? Choose the NHS-specific calculator for your situation and model it from your own figures.
- 3
Build your picture — or bring a specialist in
Work through your position with the tools, then share a structured evidence pack with an AISMA accountant or FCA-regulated IFA from our directory when you want regulated advice.
Ask your NHS AI assistant
Get instant informational answers about pension, pay, and tax, with your uploaded documents and current NHS rules as context.
NHS AI Assistant
Ask any NHS career or pension question
Try asking a question from the saved prompts
Or watch the demo conversation below
This is a demo - responses are simulated
Over 50 pre-written prompts covering pension planning, tax, pay, McCloud, and evidence checks
Direct access to NHS financial experts
Browse a directory of FCA-regulated advisers and AISMA-qualified accountants with proven NHS expertise. Request an introduction from within the platform.
FCA-Regulated Financial Advisers
Connect with IFAs who understand NHS pension schemes, carry-forward planning, career decisions with financial consequences, and retirement strategy.
- NHS pension scheme expertise (1995/2008/2015)
- Location-based and speciality filtering
- Annual allowance and McCloud advice
NHS-Specialist Accountants
Get matched with AISMA-qualified accountants for annual allowance, scheme pays, private practice tax planning, and self-assessment.
- Annual allowance & carry-forward calculations
- Scheme Pays and tax charge management
- Private practice and partnership tax
Designed for your NHS stage
Illustrative scenarios only. Not verified outcomes, guaranteed results, or financial advice.
Consultants and senior clinicians
Annual allowance and pension growth
Explore how extra sessions, CEAs, and scheme membership interact so you know when to dig deeper or speak to a regulated adviser before the tax year ends.
Doctors in training
Training and less-than-full-time
Compare LTFT, parental leave, and pay progression side by side so you understand pension accrual and take-home trade-offs in plain language.
GP partners and locums
GP and portfolio income
Clarify how NHS employment, partnership drawings, and IR35-style questions fit together in one workspace, then export context for your accountant.
Nursing and NHS leadership
Agenda for Change and benefits
Use calculators and guides on salary sacrifice, bands, and the 2015 scheme to sanity check total reward choices without replacing HR or payroll advice.
Members with remedy decisions
McCloud and scheme choices
Walk through remedy timelines and documentation in one place so you are better prepared for conversations with NHS Pensions or your IFA.
Anyone ready for regulated advice
IFA and accountant handoff
Share structured summaries and document extracts with NHS-specialist firms from the directory when you want personal recommendations, not generic search results.
Built to handle sensitive NHS financial data
UK GDPR–aligned controls
Explicit consent model, httpOnly JWT sessions, bcrypt-hashed passwords, and TLS to the database in production.
Row-level data isolation
Your documents and calculations are never accessible to other users or organisations.
Audit logging
Document access, sharing, and AI sessions are logged and exportable for your own records.
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