England and Wales · 2026/27 tax year
Police constable (joined before 2013) pay point 5: take-home pay 2026/27
A full-time constable who joined before April 2013 on pay point 5 in England and Wales earns £44,544 a year from 1 September 2026. After income tax, National Insurance and a 13.88% pension contribution, that's £2,553.76 a month.
- Take-home a month
- £2,553.76
- Take-home a year
- £30,645.11
- Take-home a week
- £589.33
- Basic hourly rate
- £21.35
- Before tax
Where the money goes
| Item | A month | A year |
|---|---|---|
| Salary | £3,712.00 | £44,544.00 |
| Income tax | −£429.85 | −£5,158.26 |
| National Insurance | −£213.16 | −£2,557.92 |
| Pension (13.88%) | −£515.23 | −£6,182.71 |
| Take-home | £2,553.76 | £30,645.11 |
Overtime rates on pay point 5
Based on a basic hourly rate of £21.35, 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 | £28.46 |
| Rest day worked, less than 15 days' notice | Time and a half | £32.02 |
| Public holiday worked | Double time | £42.69 |
With a student loan
Repayments come out of pay above each plan's threshold.
| Plan | Repayment a month | Take-home a month |
|---|---|---|
| Plan 1 | −£132.33 | £2,421.43 |
| Plan 2 | −£113.69 | £2,440.07 |
| Plan 5 | −£146.58 | £2,407.18 |
| Postgraduate Loan | −£117.72 | £2,436.04 |
Moving up
The next point, pay point 6, pays £48,258 a year. That's £3,714 more before deductions, or about £188.47 a month after them. See pay point 6
The point below, pay point 4, pays £43,227 a year. See pay point 4
Before the latest pay award
Until 1 September 2026, pay point 5 paid £43,038 a year. The 3.5% award adds £1,506 a year, or about £76.42 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.