Free tool
NHS vs Australia vs New Zealand
doctor pay calculator
Compare your estimated take-home pay across the three health systems. Enter a gross base salary for each — the calculator applies current income tax, Medicare/ACC levies and shows employer pension/super on top.
£ per A$
£ per NZ$
Editable — set today's exchange rate
🇬🇧 United Kingdom
NHS · England income tax + NI
£
Income tax—
National Insurance—
Take-home
—
after tax & NI
+ NHS pension — employer adds ~23.7% on top (one of the UK's best schemes). Not deducted above.
🇦🇺 Australia
Staff specialist · 2025-26 ATO
A$
Income tax—
Medicare levy (2%)—
Take-home
—
—
+ Superannuation — employer adds 12% on top (—).
🇳🇿 New Zealand
SMO · 2025-26 IRD
NZ$
Income tax—
ACC earner levy—
Take-home
—
—
+ KiwiSaver — employer typically adds 3% on top.
Estimates only, for general guidance. Figures use 2025/26–2026/27 income tax bands (UK England, ATO, IRD) on base salary and exclude on-call/overtime, additional programmed activities, excellence awards, salary packaging, student-loan repayments and personal circumstances. Australian super (12%) and the NHS pension are employer contributions shown separately, not deducted. Always confirm your exact package and seek personal tax advice.