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Police Take Home Pay

Independent · not affiliated with any police force

Police pay rise calculator

What the confirmed 3.5% award (from 1 September 2026) adds to your monthly take-home, England & Wales.

Model a different award or pension3.5% award · PPS 2015 pension
%

3.5% is the confirmed 2026 award. Change it to compare another scenario.

Pension scheme

The 3.5% award adds to your take-home

+£63 /month

Per year
+£758
New gross salary
£36,335
Monthly take-home before (to 31 aug 2026)
£2,098
Monthly take-home now
£2,161
New pension contribution
£4,680/yr (12.88%)
New mortgage borrowing (4.5×–5.5×): £164,000–£200,000
Check mortgage borrowing →

Your September 2025 pay point against the same point on the September 2026 scale (official Police Federation tables). Take-home is after pension, tax and NI on a standard tax code.

Source: PRRB 2026 report (3.5% from 1 Sep 2026) · HMRC 2026/27 tax and NI rates · Checked October 2026 · How we calculate

Want a bigger pay rise? Look at sergeant

See what promotion to sergeant adds to your monthly take-home, and how the exam works.

Police staff or PCSO? The 3.5% is for officers only: where the police staff pay rise stands.

Related

Frequently asked questions

How much is the 2026 police pay rise?

The Government confirmed a 3.5% pay award for police officers in England and Wales on 15 July 2026, following the Police Remuneration Review Body recommendation. It applies to all ranks and takes effect from 1 September 2026. Officers still progressing up their pay scale also receive their normal increment (typically 4–6%) on top.

Why is my take-home increase smaller than the headline percentage?

Pension contributions, income tax and National Insurance all apply to your increased salary. A 3% gross increase typically translates to around 2% more take-home. If the rise pushes you into a higher pension contribution tier, the effective increase is even smaller — which is why this calculator shows you the actual net figure rather than the headline number.

Will the pay rise affect my pension?

Yes — your PPS 2015 CARE pension builds up based on your actual salary each year. A higher salary means a larger pension accrual for that year, which is a genuine long-term benefit even if the monthly take-home increase feels modest. The employer contribution (35.3% of pensionable pay) also rises with your salary, adding further value not reflected in your payslip.

Are these figures exact?

The 3.5% award is confirmed, and the calculator defaults to it. The September 2026 figures are the official Police Federation pay scales for each point (checked 23 October 2026), so they match the scales used across this site. To compare another scenario, change the award under “Model a different award or pension”.