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

Foundation Doctor (FY1/FY2) salary in London

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

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Gross salary
£39,068
avg per year
Take home pay
£2,637
per month
Avg rent/1 bed
£2,150
per month
After rent
£487
per month
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Full pay breakdown

Item Annual Monthly
Gross salary £39,068 £3,256
Income tax −£5,300 −£442
National Insurance −£2,120 −£177
Net take-home £31,648 £2,637
Rent (1-bed median) — −£2,150
Council tax (est.) — −£165
Transport cost — −£185
After rent monies left in pocket — £487
Rent-to-income ratio: 82%
Rent as a share of net monthly pay
High pressure

Salary range in London

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

MEDIAN£39,068P0P25P50P75P100
25th percentile earns
£32,036
Median earnings
£39,068
75th percentile earns
£46,100

Housing affordability

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

18High pressure82% RTIRent-to-Income
Affordability score
Monthly breakdown
Take-home£2,637
Rent (1-bed)−£2,150
Council tax−£165
Transport−£185
Disposable£137
💡 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 London →
Recommendations
Explore nearby areas
Commuter towns 30 min out often cut rent by 20–30% with minimal extra travel time.
Prioritise income growth
At this RTI, a salary increase or second income stream makes the biggest impact.
House-share now
Sharing costs is the fastest route to dropping your RTI below the 33% comfort zone.

Frequently asked questions

What is the average Foundation Doctor (FY1/FY2) salary in London? +
The median Foundation Doctor (FY1/FY2) salary in London is £39,068 per year, based on ONS ASHE 2025 data. The middle 50% of earners fall between £32,036 and £46,100. 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 London? +
On a gross salary of £39,068, a Foundation Doctor (FY1/FY2) in London pays £5,300 in income tax and £2,120 in National Insurance (2025/26 tax year), leaving a net monthly take-home of £2,637.
Can a Foundation Doctor (FY1/FY2) afford to live in London? +
With take-home pay of £2,637/mo and a median 1-bed rent of £2,150/mo, a Foundation Doctor (FY1/FY2) in London has £487/mo left after rent — a rent-to-income ratio of 82% (high pressure). After council tax (£165/mo) and transport (£185/mo), disposable income is approximately £137/mo.

Foundation Doctor (FY1/FY2) salary in other cities

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