England and Wales · 2026/27 tax year
Police constable (joined before 2013) pay point 3: take-home pay 2026/27
A full-time constable who joined before April 2013 on pay point 3 in England and Wales earns £41,976 a year from 1 September 2026. After income tax, National Insurance and a 13.88% pension contribution, that's £2,423.44 a month.
- Take-home a month
- £2,423.44
- Take-home a year
- £29,081.30
- Take-home a week
- £559.26
- Basic hourly rate
- £20.12
- Before tax
Where the money goes
| Item | A month | A year |
|---|---|---|
| Salary | £3,498.00 | £41,976.00 |
| Income tax | −£393.00 | −£4,715.95 |
| National Insurance | −£196.04 | −£2,352.48 |
| Pension (13.88%) | −£485.52 | −£5,826.27 |
| Take-home | £2,423.44 | £29,081.30 |
Overtime rates on pay point 3
Based on a basic hourly rate of £20.12, which is the salary × 6/12520, the formula in Police Regulations Annex F. Figures are before tax. When each rate applies
| Item | Rate | Per hour |
|---|---|---|
| Overtime | Time and a third | £26.82 |
| Rest day worked, less than 15 days' notice | Time and a half | £30.17 |
| Public holiday worked | Double time | £40.23 |
With a student loan
Repayments come out of pay above each plan's threshold.
| Plan | Repayment a month | Take-home a month |
|---|---|---|
| Plan 1 | −£113.07 | £2,310.37 |
| Plan 2 | −£94.43 | £2,329.01 |
| Plan 5 | −£127.32 | £2,296.12 |
| Postgraduate Loan | −£104.88 | £2,318.56 |
Moving up
The next point, pay point 4, pays £43,227 a year. That's £1,251 more before deductions, or about £63.49 a month after them. See pay point 4
The point below, pay point 2, pays £39,687 a year. See pay point 2
Before the latest pay award
Until 1 September 2026, pay point 3 paid £40,557 a year. The 3.5% award adds £1,419 a year, or about £72.01 a month after deductions. The pay award for every rank
How these figures are worked out
- Full-time hours, tax code 1257L and the 2015 police pension scheme, with no allowances, student loan or other deductions unless shown.
- In the Met and City of London Police, London weighting and the London allowance are added on top.
- England & Wales pay scales from 1 September 2026: the 3.5% award applied to the 2025 scales. The official tables have not been published yet. Figures will be updated when the official tables are published.
- Tax, National Insurance and pay rules last checked 27 October 2026.