← Foundation Doctor (FY1/FY2) salary in the UK

Foundation Doctor (FY1/FY2) salary in Liverpool

2025/26 tax year · ONS ASHE 2025 · 1-bed median rent

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Gross salary
£37,068
avg per year
Take home pay
£2,517
per month
Avg rent/1 bed
£800
per month
After rent
£1,717
per month
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Full pay breakdown

Item Annual Monthly
Gross salary £37,068 £3,089
Income tax −£4,900 −£408
National Insurance −£1,960 −£163
Net take-home £30,208 £2,517
Rent (1-bed median) — −£800
Council tax (est.) — −£115
Transport cost — −£70
After rent monies left in pocket — £1,717
Rent-to-income ratio: 32%
Rent as a share of net monthly pay
Comfortable

Salary range in Liverpool

Salary distribution of Foundation Doctor (FY1/FY2) earners · ONS ASHE 2025

MEDIAN£37,068P0P25P50P75P100
25th percentile earns
£30,396
Median earnings
£37,068
75th percentile earns
£43,740

Housing affordability

Rent-to-income analysis · Foundation Doctor (FY1/FY2) in Liverpool

68Comfortable32% RTIRent-to-Income
Affordability score
Monthly breakdown
Take-home£2,517
Rent (1-bed)−£800
Council tax−£115
Transport−£70
Disposable£1,532
💡 Aim for rent ≤ 30% of gross income
Rent-to-Income (RTI) scale
0% = no rent · 100% = all income on rent
04070100
Comfortable
Moderate
High Risk
Full affordability breakdown for Liverpool →
Recommendations
More in Your Wallet
Your RTI is healthy. Consider maximising pension contributions or saving 15–20% of take-home.
piggybank
Grow your savings
With solid affordability, ISAs or investment accounts can put your cushion to work.
Consider buying a house
Your affordability profile may support a mortgage application in this area.

Frequently asked questions

What is the average Foundation Doctor (FY1/FY2) salary in Liverpool? +
The median Foundation Doctor (FY1/FY2) salary in Liverpool is £37,068 per year, based on ONS ASHE 2025 data. The middle 50% of earners fall between £30,396 and £43,740. The UK median for this role across all cities is approximately £37,000.
What is the monthly take-home pay for a Foundation Doctor (FY1/FY2) in Liverpool? +
On a gross salary of £37,068, a Foundation Doctor (FY1/FY2) in Liverpool pays £4,900 in income tax and £1,960 in National Insurance (2025/26 tax year), leaving a net monthly take-home of £2,517.
Can a Foundation Doctor (FY1/FY2) afford to live in Liverpool? +
With take-home pay of £2,517/mo and a median 1-bed rent of £800/mo, a Foundation Doctor (FY1/FY2) in Liverpool has £1,717/mo left after rent — a rent-to-income ratio of 32% (comfortable). After council tax (£115/mo) and transport (£70/mo), disposable income is approximately £1,532/mo.

Foundation Doctor (FY1/FY2) salary in other cities

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