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Calculators for Clinicians

Navigate your financial journey with confidence using our suite of intuitive calculators. Whether you're evaluating life insurance options, planning your estate, or exploring mortgage possibilities, our tools are designed to provide clarity and assist you in making informed choices.

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Clinician Protection Calculators

Clinician Income Protection Gap Calculator

Income Protection Gap Calculator

Discover exactly when your NHS sick pay runs out — and how large the gap in your income could be.

Your Profession
Your Income
Your basic NHS pay before tax
£
This income has NO sick pay protection
£
NHS Service & Outgoings
Determines your sick pay entitlement
Mortgage, bills, food, childcare etc.
£
Your Income Protection Gap

Monthly income by period

This calculator is intended as a general guide only. NHS sick pay entitlements are based on the NHS Agenda for Change contract and the BMA model consultant contract. Figures shown are gross estimates before tax. Always seek personalised financial advice.
Medical Practice Relevant Life Insurance Calculator

Relevant Life Insurance Calculator

See how much your practice could save by paying for life cover as a business expense rather than from your personal post-tax income.

Your Practice & Cover Details
What you currently pay personally each month
£
Your Tax Position
National Insurance
%
%
Is the premium currently paid from dividends?
Your Potential Annual Saving
—
estimated annual saving by moving to Relevant Life Insurance
Cost Comparison Personal Cover (Now) Relevant Life (Practice)
Monthly premium — —
Effective annual cost — —
Tax relief applied None —
NI saving None —
All statements concerning tax treatment are based on our understanding of current UK tax law and HMRC practice. Levels and bases of tax relief are subject to change. This calculator provides an estimate only. Always seek personalised financial advice. Relevant Life Insurance is not available to sole traders.

Inheritance Tax Calculator for Clinicians

IHT Calculator

Inheritance Tax Calculator

Includes medical practice assets - the assets most likely to push a clinician's estate over the IHT threshold.

What You Own — Personal Assets
£
£
£
£
Policies in trust are excluded from your estate
£
Vehicles, contents, jewellery etc.
£
£
£
Clinician-Specific Medical Practice & Business Assets
Your equity stake in the GP practice or clinic
£
Market value of any owned clinical property
£
What You Owe
£
Loans taken to buy into a GP practice or clinic
£
£
£
Personal Circumstances
Your Estimated IHT Position
Total Estate Value
—
IHT-Free Threshold
—
Taxable Estate
—
Estimated IHT Bill
—
£0 Threshold Your estate
Nil-rate band (tax free) —
Taxable at 40% —
This calculator should only be used as a guide for IHT liability and does not cover every nuance of inheritance tax rules, including Business Property Relief, Agricultural Property Relief, or charity exemptions. For confirmation of how IHT might affect you, please seek advice. All statements concerning tax treatment are based on our understanding of current tax law and HMRC practice.

Clinician Mortgage Calculators

Clinician Complex Income Mortgage Calculator

Complex Income Mortgage Calculator

Combines NHS salary, private practice, and locum income using the multiples specialist medical lenders actually apply.

Select Your Income Sources
NHS Employment Income
£
On-call, banding, Clinical Excellence Awards
£
Locum / Bank Income
£
Lenders annualise over 46 weeks
Private Practice Income
2-year average from accounts or SA302
£
£
GP Partnership Income
From practice accounts — not just monthly drawings
£
Your Estimated Borrowing Range
Total Assessed Income
—
Estimated Borrowing
—
With Specialist Lender
—
4.5× income 5.5× income (specialist lender)
Income Breakdown
Specialist medical lenders understand that NHS allowances, locum invoices, and private practice dividends are stable income sources. Standard lenders may assess your income at a lower figure. These estimates are illustrative only — speak to a Broadbench mortgage adviser for a personalised assessment.
This calculator is intended as a general guide only. Income multiples and assessment methods vary by lender. Locum income annualised using 46-week convention. NHS allowances assessed at 75% blended rate. Always obtain a personalised quote from your mortgage adviser.
How much will you repay?

Find out how much you will repay

Enter Borrowing Details:

£ 
 Years
 %

Repayment Summary

Monthly payment

£ 

Total Amount Payable

£ 

Interest-Only Repayment

Monthly payment

£ 

Total Amount Payable

£ 
*This calculator is intended as a general guide to give you an indicative estimate of costs. Always obtain a personalised quote from your mortgage adviser. We cannot be held responsible for any inaccuracies.

Always Seek Advice

Our calculators are designed to provide guidance only. Speak to one of our expert advisers to get precise figures based on your individual circumstances and unique requirements. 

All statements concerning the tax treatment of products and their benefits are based on our understanding of current tax law and HM Revenue and Customs’ practice. Levels and bases of tax relief are subject to change.

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