England and Wales · 2026/27 tax year
Police constable (joined before 2013) pay point 4: take-home pay 2026/27
A full-time constable who joined before April 2013 on pay point 4 in England and Wales earns £43,227 a year from 1 September 2026. After income tax, National Insurance and a 13.88% pension contribution, that's £2,486.93 a month.
- Take-home a month
- £2,486.93
- Take-home a year
- £29,843.11
- Take-home a week
- £573.91
- Basic hourly rate
- £20.72
- Before tax
Where the money goes
| Item | A month | A year |
|---|---|---|
| Salary | £3,602.25 | £43,227.00 |
| Income tax | −£410.95 | −£4,931.42 |
| National Insurance | −£204.38 | −£2,452.56 |
| Pension (13.88%) | −£499.99 | −£5,999.91 |
| Take-home | £2,486.93 | £29,843.11 |
Overtime rates on pay point 4
Based on a basic hourly rate of £20.72, 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 | £27.62 |
| Rest day worked, less than 15 days' notice | Time and a half | £31.07 |
| Public holiday worked | Double time | £41.43 |
With a student loan
Repayments come out of pay above each plan's threshold.
| Plan | Repayment a month | Take-home a month |
|---|---|---|
| Plan 1 | −£122.45 | £2,364.47 |
| Plan 2 | −£103.82 | £2,383.11 |
| Plan 5 | −£136.70 | £2,350.22 |
| Postgraduate Loan | −£111.14 | £2,375.79 |
Moving up
The next point, pay point 5, pays £44,544 a year. That's £1,317 more before deductions, or about £66.83 a month after them. See pay point 5
The point below, pay point 3, pays £41,976 a year. See pay point 3
Before the latest pay award
Until 1 September 2026, pay point 4 paid £41,766 a year. The 3.5% award adds £1,461 a year, or about £74.14 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.