What is the take-home pay for a Police Constable in 2026?

A Constable at PP7 (£50,256 gross) takes home approximately £35,900/year or £2,992/month after income tax (20% and 40% on earnings above £50,270), National Insurance (8%), and PPS 2015 pension contributions (13.88% on this salary tier). A PP1 Constable (£31,164 gross) takes home approximately £23,900/year or £1,990/month. Use the calculator above for your exact figures including London weighting and student loans.

How much pension do police officers pay in 2026?

Under the Police Pension Scheme 2015 (PPS 2015), contributions from 1 April 2026 are: 12.88% on pensionable pay up to £37,035; 13.88% on pay between £37,035 and £79,588; 14.22% on pay of £79,588 or more. British Transport Police officers on legacy arrangements may contribute at a different rate. Pensionable pay is basic salary only — it excludes London weighting and other allowances.

Does London weighting affect police pension contributions?

No. London weighting and location allowances (the £9,738 Metropolitan/City of London allowance or the South East England allowance) are paid on top of basic salary and are not pensionable. They are subject to income tax and National Insurance but do not count towards your pension tier threshold or contribution calculation.

What are the police pay scales for 2025/26?

Police pay scales effective September 2025: Constables range from £31,164 (PP1, post-2013 joiners) to £50,256 (PP7). Pre-2013 legacy constables start at £32,820 (PP0 Legacy). Sergeants: £53,568–£56,208. Inspectors: £63,768–£68,982. Chief Inspectors: £70,344–£74,310. Superintendents: £84,177–£99,015. Chief Superintendents: £103,797–£115,785.

Do Inspectors and above get overtime pay?

No. Officers of Inspector rank and above are salaried and do not receive overtime pay. Additional hours worked are not compensated at an enhanced rate. The Police Regulations 2003 and the Determination made under them do not provide for Inspector+ overtime in the same way as constables and sergeants.

Police Take Home Pay Calculator UK

Enter your rank, pay point and location — see your exact monthly take-home after income tax, National Insurance, PPS 2015 pension, London weighting, student loans and more. England & Wales · September 2025 pay scales · April 2026 pension rates.

✓ Free · No Sign-Up Sept 2025 Pay Scales April 2026 Pension Rates PPS 2015 · Tax · NI · Student Loans

Step 1 — Your Pay Scale

Rank

Pay Point

⚠ Inspectors and above are salaried — they do not receive overtime pay under Police Regulations 2003. Take-home pay below reflects salary only.

Location / Allowance

Contracted hours/week (37 = standard)

Pay periods per year

12 monthly

13 four-weekly

YOUR ESTIMATED TAKE-HOME

£0

per month

Gross salary (annual)

£0

Gross incl. allowances (annual)

£0

Annual take-home

£0

Pension contribution (annual)

-£0

Basic salary £0

Location allowance + £0

Overtime / unsocial + £0

Income tax - £0

National Insurance (2025/26) - £0

PPS 2015 pension - £0

Student loan(s) - £0

Federation subscription - £0

Uniform tax relief + £0

Estimated take-home £0

Estimates only. Tax based on 2025/26 PAYE bands, personal allowance £12,570. Pension contributions use April 2026 PPS 2015 rates on basic pay only. Always verify with your payslip or HMRC.

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Knowing your take-home is step one. Overtime Live lets you watch your earnings grow live on your lock screen — shift by shift, second by second.

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Police pay scales 2025/26 — England & Wales

Pay scales effective September 2025, following the Police Remuneration Review Body (PRRB) award. All figures are gross annual salary before tax, NI and pension.

Rank	Pay point	Gross annual	Hourly rate
Constable (post-2013)	PP1	£31,164	£16.01/hr
Constable (post-2013)	PP7	£50,256	£25.82/hr
Constable (legacy, pre-2013)	PP0	£32,820	£16.87/hr
Sergeant	PP2(a)	£53,568	£27.52/hr
Sergeant	PP4	£56,208	£28.88/hr
Inspector	PP0	£63,768	Salaried
Inspector	PP3	£68,982	Salaried
Chief Inspector	PP1–PP4	£70,344–£74,310	Salaried
Superintendent	PP1–PP4	£84,177–£99,015	Salaried
Chief Superintendent	PP1–PP3	£103,797–£115,785	Salaried

PPS 2015 pension contribution rates — April 2026

From 1 April 2026 the Police Pension Scheme 2015 uses the following tiered contribution structure, applied to pensionable pay (basic salary only — not including location allowances):

Tier	Pensionable pay	Contribution rate
1	Up to £37,035	12.88%
2	£37,035 to £79,588	13.88%
3	£79,588 and above	14.22%

Note: BTP officers on legacy arrangements may have a different rate. Scottish officers are governed by separate Police Scotland pension regulations.

London weighting & location allowances

Officers serving in certain areas receive a non-pensionable location allowance on top of their basic salary. These allowances are taxable and subject to National Insurance, but they do not count towards your pension tier calculation.

Force / Area	Annual allowance
Metropolitan Police Service	£9,738
City of London Police	£9,738
South East England (designated forces)	≈£3,000
All other England & Wales forces	None

Income tax & National Insurance 2025/26

Police pay is subject to standard PAYE income tax and Class 1 National Insurance. The personal allowance is £12,570. Tax rates: 20% on earnings from £12,571 to £50,270; 40% on earnings from £50,271 to £125,140; 45% on earnings above £125,140.

National Insurance rates: 8% on earnings between £12,570 and £50,270 per year; 2% on earnings above £50,270. (2025/26 thresholds.)

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Frequently asked questions

What is the take-home pay for a Police Constable at PP7?

A Constable at PP7 (£50,256 gross) in England and Wales with no location allowance takes home approximately £35,900 per year or £2,990 per month, after income tax (20% basic rate plus 40% on a small portion above the threshold), National Insurance at 8%, and PPS 2015 pension contributions of 13.88%. Use the calculator above with your exact pay point to get a precise figure.

Do Inspectors get overtime pay?

No. Inspectors and officers of higher ranks (Chief Inspector, Superintendent, Chief Superintendent) are salaried under Police Regulations 2003. They do not receive enhanced overtime pay. Additional hours are not compensated at a higher rate. The calculator above shows take-home pay for salaried officers based on salary only.

Is London weighting pensionable?

No. The Metropolitan Police and City of London location allowance (£9,738) and the South East England allowance are non-pensionable. They are paid on top of your basic salary, are subject to income tax and National Insurance, but they do not count towards your pension tier threshold or your pensionable pay for contribution purposes. Your pension contributions are calculated on basic salary only.

Can I have multiple student loans?

Yes. The calculator allows you to select multiple student loan plans simultaneously. Plan 2 + Postgrad is the most common combination for officers who attended university from 2012 onwards and also studied at postgraduate level. The repayments are calculated separately against the relevant thresholds and then stacked. For example, on a £40,000 salary you would repay 9% above £27,295 (Plan 2) plus 6% above £21,000 (Postgrad) — both deducted independently.

How do I use 13 pay periods?

Some forces pay officers on a four-weekly (13 pay periods per year) cycle rather than monthly (12 periods). Toggle the "13 four-weekly" option above and all figures will update to show per-period rather than per-month amounts. Annual figures remain the same.

What is night duty enhancement for police?

Officers required to work between 8pm and 6am receive an unsocial hours enhancement of 10% of their basic hourly rate for those hours. This is separate from overtime pay — it applies to contracted hours worked overnight, not to extra shifts. Enter your typical weekly night hours in the Overtime section above to include it in your take-home estimate.

Does this calculator cover Police Scotland or Northern Ireland?

No. This calculator covers England and Wales only. Police Scotland officers are paid under separate Scottish pay scales agreed with the Scottish Police Federation. Police Service of Northern Ireland (PSNI) officers have their own pay structure and pension arrangements. The figures and calculations here do not apply to those forces.

Related tools

→ Police Overtime Calculator — calculate time and a third, REOP and public holiday pay
→ Police & NHS Pay Scales — find your exact hourly rate
→ NHS Take Home Pay & Overtime Calculator
→ Police pay scales guide 2025/26