England and Wales · 2026/27 tax year
Police constable pay point 5: take-home pay 2026/27
A full-time constable on pay point 5 in England and Wales earns £39,057 a year from 1 September 2026. After income tax, National Insurance and a 13.88% pension contribution, that's £2,275.31 a month.
- Take-home a month
- £2,275.31
- Take-home a year
- £27,303.75
- Take-home a week
- £525.07
- Basic hourly rate
- £18.72
- Before tax
Where the money goes
| Item | A month | A year |
|---|---|---|
| Salary | £3,254.75 | £39,057.00 |
| Income tax | −£351.10 | −£4,213.18 |
| National Insurance | −£176.58 | −£2,118.96 |
| Pension (13.88%) | −£451.76 | −£5,421.11 |
| Take-home | £2,275.31 | £27,303.75 |
Overtime rates on pay point 5
Based on a basic hourly rate of £18.72, 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 | £24.96 |
| Rest day worked, less than 15 days' notice | Time and a half | £28.08 |
| Public holiday worked | Double time | £37.43 |
With a student loan
Repayments come out of pay above each plan's threshold.
| Plan | Repayment a month | Take-home a month |
|---|---|---|
| Plan 1 | −£91.18 | £2,184.14 |
| Plan 2 | −£72.54 | £2,202.77 |
| Plan 5 | −£105.43 | £2,169.89 |
| Postgraduate Loan | −£90.29 | £2,185.03 |
Moving up
The next point, pay point 6, pays £44,544 a year. That's £5,487 more before deductions, or about £278.45 a month after them. See pay point 6
The point below, pay point 4, pays £36,336 a year. See pay point 4
Before the latest pay award
Until 1 September 2026, pay point 5 paid £37,737 a year. The 3.5% award adds £1,320 a year, or about £66.98 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.