Midwife Salary Calculator UK 2025/26
Calculate your midwife take-home pay after income tax, National Insurance, pension and student loan deductions. Updated for the 2025/26 UK tax year.
Last reviewed: April 2026 by Mustafa Bilgic, UK Tax Specialist · Reviewed by Emma Thompson, Chartered Accountant
Midwife Take-Home Pay Calculator
Pre-filled with the UK median midwife salary of £38,000. Adjust to match your situation.
Midwife Salary Overview UK 2025/26
UK midwives deliver antenatal, intrapartum and postnatal care to women and birthing people. The vast majority work for NHS trusts under Agenda for Change, with a small but growing private and independent midwifery sector. The median UK salary for a midwife in 2025/26 is approximately £38,000, with most professionals earning between £30,000 (10th percentile, entry-level) and £52,000 (90th percentile, senior/specialist). Compared with the UK national median full-time wage of £35,000, this places midwifes in the middle pay band of the UK labour market.
Midwives start on Band 5 and progress to Band 6 (£37,338-£44,962) after preceptorship; consultant midwives reach Band 8a-8b (£53,755-£75,874). Top-paying regions for midwifes are London (£47,500 median), the South East (£41,800) and the Thames Valley. The Healthcare sector continues to show strong demand and salary growth across the UK, with employer hiring intentions particularly strong in major city hubs and remote-friendly roles.
Midwife Salary by Experience Level
Career progression for a UK midwife typically follows this earnings curve. Salaries can vary significantly by sector, employer size and location.
| Career Stage | Description | Typical Salary |
|---|---|---|
| Entry-level (0-2 years) | Newly-qualified midwife (Band 5, preceptorship) | £30,000 |
| Mid-level (3-7 years) | Band 6 midwife with 3-7 years experience | £38,000 |
| Senior (8-15 years) | Senior midwife / band 7 (labour ward, community lead) | £49,400 |
| Lead/Principal (15+ years) | Consultant midwife or head of midwifery | £52,000 |
Midwife Salary by UK Region
Regional pay varies significantly across the UK, with London commanding the highest premium for most professional roles. Cost of living should be considered alongside headline salary.
| UK Region | Median Salary | vs UK Median |
|---|---|---|
| London | £47,500 | +25% |
| South East | £41,800 | +10% |
| Scotland | £36,100 | -5% |
| Wales | £34,960 | -8% |
| North East | £33,440 | -12% |
| North West | £36,100 | -5% |
| Midlands | £35,340 | -7% |
| Northern Ireland | £34,200 | -10% |
How Midwife Tax is Calculated 2025/26
UK midwifes pay income tax under the standard PAYE system. For 2025/26, the personal allowance is £12,570 (no tax). Income from £12,571 to £50,270 is taxed at the basic rate of 20%, from £50,271 to £125,140 at the higher rate of 40%, and above £125,140 at the additional rate of 45%. Personal allowance is tapered above £100,000, creating an effective marginal rate of 60% between £100,000 and £125,140.
National Insurance for employees in 2025/26 is 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. NI funds the State Pension, NHS and contributory benefits.
Worked example for a midwife earning £38,000: Income tax = £4,706, National Insurance = £2,034, 5% pension contribution = £1,900. Take-home pay = £29,360 per year, equivalent to £2,447 per month or £565 per week.
Midwife Salary Sacrifice & Pension Tax Relief
Pension contributions are one of the most tax-efficient ways for UK midwifes to boost their long-term wealth. Under salary sacrifice, your gross pay is reduced before income tax and National Insurance are calculated, meaning every £1 you contribute saves both income tax (20% or 40%) AND National Insurance (8% or 2%).
Worked example: If you earn £38,000 as a midwife and contribute 8% (£3,040/year) via salary sacrifice, you save approximately £608 per year in tax and NI compared with making no pension contribution. Many employers also pass back their own NI saving (15% on the sacrificed amount), boosting your contribution further. Auto-enrolment minimum is 5% employee + 3% employer, but most financial planners suggest aiming for 12-15% total contributions for a comfortable retirement.
Frequently Asked Questions - Midwife Salary UK
What is the average Midwife salary in the UK 2025/26?
The median UK salary for a Midwife in 2025/26 is approximately £38,000, based on the latest ONS Annual Survey of Hours and Earnings (ASHE) and major UK job-board data. The 10th percentile (entry-level) sits around £30,000, while the 90th percentile (senior or specialist) reaches around £52,000. Midwives start on Band 5 and progress to Band 6 (£37,338-£44,962) after preceptorship; consultant midwives reach Band 8a-8b (£53,755-£75,874). Compared with the UK median full-time salary of £35,000, a Midwife earns above the national average. London salaries are typically 20-25% higher, while regional variation is significant across the UK.
How much do Midwifes earn after tax in the UK?
On the median Midwife salary of £38,000, your take-home pay in 2025/26 is approximately £29,360 per year (£2,447 per month) after deducting income tax (£4,706), employee National Insurance (£2,034) and a default 5% pension contribution. Your exact net pay depends on your tax code, region (Scottish rates differ), pension contribution method (salary sacrifice vs relief at source), student loan plan and any taxable benefits in kind. Use the calculator above to model your specific circumstances and see how each deduction affects your monthly pay packet.
Do Midwifes pay basic-rate or higher-rate tax in the UK?
At the median Midwife salary of £38,000, you remain firmly within the basic-rate band (20%) on income above the £12,570 personal allowance. Most UK Midwifes stay in the 20% basic-rate band, meaning every £1 of pension contribution typically saves 20p in tax plus 8p in NI under salary sacrifice. If you live in Scotland, the band thresholds and rates differ - see the dedicated Scottish Income Tax Calculator for precise figures.
How does a Midwife's salary compare to other UK professions?
A median Midwife salary of £38,000 is roughly in line with the UK median for full-time employees (£35,000 according to ONS 2024). Within the Healthcare sector, this puts Midwifes in the middle earnings tier. By comparison, registered nurses earn about £30,000-£40,000, primary school teachers £31,000-£47,000 and software engineers £45,000-£70,000. Factors that boost Midwife earnings include London location, professional certifications, sector specialism (finance, pharma, energy) and management responsibility.
What is the highest paying region for Midwifes in the UK?
London is by far the highest-paying UK region for Midwifes, with median salaries around £47,500 - roughly 25% above the national figure. The South East (£41,800) is the next-best paying region, driven by commuter-belt employers and high cost of living. Other strong regions include the Thames Valley (Reading, Slough, Bracknell), Cambridge, Edinburgh and Manchester. The North East (£33,440), Wales (£34,960) and Northern Ireland (£34,200) sit at the bottom of the regional pay range, although the lower cost of living often offsets the gap in real-terms purchasing power.
Is Midwife a good career in the UK in 2025?
Career prospects for Midwifes in the UK in 2025 remain very strong, supported by ongoing demand in the Healthcare sector. UK midwives deliver antenatal, intrapartum and postnatal care to women and birthing people. Long-term trends supporting the role include an ageing UK population. Salary progression is realistic - moving from the 10th percentile (£30,000) to the 90th percentile (£52,000) typically takes 10-15 years of focused career development including relevant certifications, employer changes and leadership experience.
How much tax does a Midwife earning £38,000 pay in 2025/26?
On a £38,000 salary in England/Wales/NI for 2025/26, a Midwife pays approximately £4,706 in income tax and £2,034 in employee National Insurance, before any pension contributions or student loan repayments. The tax is calculated as: 0% on the first £12,570 (personal allowance), 20% basic-rate on the next £25,430. National Insurance is 8% on earnings between £12,570 and £50,270. Adding a 5% pension contribution reduces both your tax and NI bills under salary sacrifice.