Written for GPs, hospital doctors & dentists

Make sense of your money — without the jargon.

Plain-English guides to the NHS pension, tax, investing, property and the business side of medicine and dentistry. No sales pitch, no product placement — just the facts explained simply. New here? Start with what this site is about.

14
In-depth guides
2026/27
Tax year figures
£0
Cost to read

NHS Pension & Retirement

Understand the scheme you're actually in, what McCloud changed, and how the annual allowance catches high earners.

The NHS Pension Explained

The 2015 CARE scheme, contribution tiers, annual allowance and what it means for your retirement income.

The McCloud Judgment & Remedy

Why your pension record was recalculated, the remedy period, and what action (if any) you need to take.

Investing

Building wealth outside the NHS pension — where to start and which platform actually suits doctors.

Investing for Doctors & Dentists

ISAs, SIPPs, general investment accounts — the investing ladder explained from first principles.

UK Investment Platform Comparison

Fees, fund ranges and usability compared across the platforms doctors and dentists actually use.

Property Investment for Medics & Dentists

Buy-to-let, SPVs, and the Form 17 strategy — what works and what quietly costs you 80% tax.

Tax

Keep more of what you earn, legally — and stay the right side of HMRC.

Doctor & Dentist Tax Rates 2026/27

Income tax bands, the personal allowance taper, and National Insurance at a glance.

Tax Efficiency for Higher Earners

EIS, VCTs and gilts explained simply — including the VCT relief change from April 2026.

Making Tax Digital Explained

What MTD for Income Tax actually requires, and who it affects first.

MTD Setup Guide

Software, bank feeds, and the DIY-vs-accountant decision — a practical walkthrough.

Expenses & Benefits

What you can legitimately claim as a locum, salaried, or self-employed GP, hospital doctor, or dentist.

Working From Home Guide

Home-office claims and allowable costs for clinicians doing admin, on-calls or portfolio work at home.

Running Your Practice or Career as a Business

The structural decisions that shape your tax bill and your risk — whether you run a practice, work as a locum, or have private income alongside an NHS role.

Creating a Limited Company

When incorporating actually saves tax, and the admin it brings with it.

Indemnity & Insurance

Medical indemnity, income protection and life cover — what's essential versus optional.