PP Police Pay
Updated: 13 February 2026

Police Pay UK:
Salary & Earnings

The definitive authority on UK police salary, overtime rules, allowance frameworks, and the real-terms impact of economic policy.

Independent Authority Resource
Editorial Notice

Independent explanatory guidance. Not affiliated with the Home Office, NPCC or PFEW. Data sourced from Police Regulations, PRRB reports, and historical pay circulars.

The Reality of Police Earnings

Police pay is not a single figure, but a complex intersection of national pay scales, regional modifiers, and performance-based increments.

For a Police Constable in the United Kingdom, the core financial journey is defined by seven pay increments. A new recruit typically enters at approximately £29,907, progressing annually until they reach the top tier of £48,231. This "headline" salary, however, is rarely the whole story. In many metropolitan forces, allowances such as London Weighting (£3,144) can significantly boost gross income, ensuring officers in high-cost areas can maintain a standard of living.

The backbone of modern policing flexibility is overtime. Regulated by Regulation 26, overtime multipliers—ranging from 1.33x for extensions of duty to 2.0x for public holiday recalls—provide essential financial flexibility for officers willing to work beyond their rostered shifts. Yet, for many, this extra income feels heavily diminished by higher marginal tax rates and significant pension deductions, which currently sit between 12.44% and 13.44% for most serving officers.

Furthermore, the economic context of policing has shifted dramatically. Our real-terms analysis shows that while recent pay awards—like the 4.2% increase for 2025/26—are welcome, they follow over a decade of pay freezes and caps that have left purchasing power well below 2010 levels. This erosion directly impacts mortgage affordability, making entry-level property ownership a significant challenge for new joiners in the South East.

Each year, the Police Remuneration Review Body (PRRB) performs an annual assessment, balancing force recruitment needs against public spending constraints. This editorial hub provides the data, tools, and regulation-based context needed to understand the mechanics of this process and more importantly, exactly how much money lands in your bank account every month.

Constable Range
£29,907 - £48,231
7 Annual Increments
Latest Pay Award
4.2%
Consolidated (2025/26)
Projected 2026
2.5% - 3.5%
PRRB Expectation
Overtime Rates
1.33x | 1.5x | 2.0x
Regulation 26 Rules
Pension Accrual
1/55.3
CARE 2015 Scheme

How Police Pay Is Built

The anatomy of a police payslip, from headline salary to take-home pay.

01. Additions

Gross
Salary

Includes basic pay based on rank and service length, plus regional weighting and specialist allowances.

02. Variable

Overtime
& Enhancements

Calculated at 1.33x for extensions, 1.5x for rest days, and 2.0x for public holidays.

03. Deductions

Tax, NI &
Pension

Significant deductions: 12.44% - 13.44% for pension alone, plus standard PAYE and National Insurance.

The Result

Net
Take-Home

The actual money in your bank account.

The Pension Factor

The police pension is arguably one of the most significant deductions on any monthly payslip. Unlike private sector schemes where contributions are typically 3-5%, police officers in the 2015 CARE scheme contribute over 12%. On a £48,231 salary, this amounts to over £500 per month.

Allowance Nuance

Not all pay is created equal. 'Basic Pay' is always pensionable. However, 'Allowances' are split: London Weighting is pensionable, but South East Allowance and On-Call payments typically are not. This affects your final retirement outcome.

Start Based On Your Situation

Tailored guidance for your specific career stage.

Earnings At A Glance

Comparing key ranks and reward components in 2026.

Rank Top Salary Pension Rate Overtime Eligibility Promotion Uplift
Constable £48,231 13.44% Full (Reg 26) N/A
Sergeant £53,646 13.44% Full (Reg 26) ~11.2%
Inspector £66,143 15.05% None* ~23.3%
Ch. Inspector £70,307 15.05% None* ~6.3%

*Inspectors and above are generally ineligible for overtime payments under Police Regulations. Salaries based on top increment for each rank outside London.

Flagship Research Report

2026 Data Model

Police Financial
Pressure Index 2026

Independent data-driven analysis of police salary, housing affordability, overtime dependency and pension pressure in 2026. Includes full regional modelling and rank-based scoring.

View Index Results
Authority Research Report

The 19% Pay Fall:
2010–2026 Analysis

Our definitive 6,000-word analysis exploring the real-terms erosion of police pay. Includes full historic award tables, compounding inflation math, and rank-by-rank purchasing power comparisons.

Read Full Report

Core Pay Guides

Regulation-based analysis for every aspect of earnings.

Met Commissioner Salary (2026)

Definitive guide to London's apex policing role: Salary, pension value and governance.

Read Guide

Chief Constable Earnings (2026)

Definitive breakdown of CC, DCC and ACC salaries, pensions and governance.

Read Guide

Take-Home Pay by Rank (2026)

Definitive net pay breakdown for Constable, Sergeant and Inspector.

Read Guide

Police Overtime Explained

Multipliers, rest day working, public holidays and enhanced rate rules.

Read Guide

Pay Rise 2026 Forecast

Independent projection and PRRB timeline analysis.

Read Guide

Overtime After Tax

Why your extra hours feel heavily taxed and how marginal rates work.

Read Guide

19% Pay Fall Since 2010

Definitive 6,000-word analysis of real-terms earnings erosion.

Read Guide

Police Allowances Explained

London Weighting, South East, On-Call and specialist payments.

Read Guide

Is Promotion Worth It?

Net pay comparison between ranks after pension and tax.

Read Guide

Take-Home Pay Explained

Why your net salary differs from headline salary.

Read Guide

Police Second Jobs

What is permitted and how it affects earnings.

Read Guide

Police Pay vs Mortgage Affordability

Can officers afford to buy in 2026? Salary vs house price analysis.

Read Guide

Where Officers Can Still Afford Property

Regional affordability breakdown by bands across England and Wales.

Read Guide

Acting Up & Temp Pay

How temporary rank pay is calculated.

Read Guide

Increment Freezes

What happens when increments pause.

Read Guide

Inspector Pay Guide

Why promotion to Inspector often doesn't feel like a pay rise.

Read Guide

Backpay Explained

How backdated pay awards are calculated and taxed.

Read Guide

Public Sector Salary Comparison Hub

Independent, regulation-based salary and pension comparisons placing police earnings in context against other UK public services.

Beyond Headlines

Headline salary comparisons are often misleading. While standard starting salaries and top-tier increments provide a baseline, they rarely capture the full financial picture. True earnings context requires analysing base pay, pensionable allowances, and overtime dependency.

Industrial Rights

Police officers hold an 'Office of Constable' rather than standard employment status. This means no legal right to strike, unrestricted liability, and directed work under Regulation 26. This restriction must be weighed against the CARE 2015 pension structure.

Lifetime Value

Our independent modelling focuses on lifetime earning potential rather than short-term monthly take-home pay. By stripping away emotive narratives and focusing on objective regulation, we provide a transparent look at where policing sits in 2026.

Stay Updated on Pay Reform & Salary Analysis

Follow PolicePay on LinkedIn for regulation-based earnings updates and independent financial modelling.

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Pay & Earnings Tools

Frequently Asked Questions

What is the current police salary in the UK?

The current starting salary for a police constable in England and Wales is £29,907, rising annually through seven pay increments to a top-tier salary of £48,231. This base pay is often supplemented by regional allowances—such as London Weighting—and overtime payments. For 2025/26, officers received a 4.2% consolidated pay increase, reflecting ongoing adjustments intended to track with wider economic conditions and the recommendations of the Police Remuneration Review Body (PRRB).

How much do police officers earn after tax?

A constable's take-home pay varies significantly based on their location, pension choices, and student loan status. For an officer on the top increment (£48,231), the net monthly pay is typically around £2,800 to £3,000 after Income Tax, National Insurance, and the mandatory 12.44% - 13.44% pension contribution. London officers may see higher net figures due to the non-taxable elements of certain allowances, though this is often offset by the higher cost of living in the capital.

How does overtime work in policing?

Police overtime is governed by Regulation 26. Extension of duty is typically paid at 'time and a third' (1.33x). Working on a rostered rest day with less than 15 days' notice usually triggers a 'time and a half' (1.5x) payment, while working on a public holiday is paid at double time (2.0x). Additionally, officers working on a public holiday are entitled to a 'day back' in lieu. Different rules apply to ranks above Sergeant, where overtime is generally not claimable.

What allowances do officers receive?

The primary allowances available to UK officers include London Weighting (£3,144) and the London Allowance (up to £1,011), alongside South East Allowances for home counties forces. Other payments include the On-Call Allowance (£20 per session), Dog Handlers' Allowance, and various 'special priority' or 'bonus' payments for specific hard-to-fill or dangerous roles. Note that some allowances are non-pensionable, meaning they do not count towards your final retirement benefits.

Has police pay fallen in real terms?

Yes. Independent research from the Social Market Foundation and the Police Federation indicates that real-terms police pay has declined by approximately 20% since 2010 when adjusted for inflation (CPI). While recent years have seen higher headline awards (such as 4.2% in 2025 and 7% in 2024), these have followed a decade of pay freezes and caps that significantly eroded the purchasing power of the average officer's salary.

Is promotion financially worth it?

Promotion typically offers a base salary increase of 10% to 15%. For example, moving from the top of the Constable scale (£48,231) to the start of the Sergeant scale (£51,213) provides an immediate uplift. However, high-earning Constables who work significant overtime may find their net income initially drops upon promotion to Inspector, as Inspectors are generally ineligible for overtime pay. Officers must balance long-term pension growth against immediate monthly take-home impacts.

How often is police pay reviewed?

Police pay is reviewed annually. The process begins with evidence submissions from the Home Office, the Police Federation (PFEW), and the Superintendents' Association to the Police Remuneration Review Body (PRRB). The PRRB then submits a recommendation report to the Home Secretary, usually in the summer. Once a decision is made, pay awards are typically implemented on September 1st each year.

Do allowances count towards pension?

Under the 2015 CARE scheme, 'pensionable pay' includes your basic salary and certain permanent allowances, such as London Weighting. However, most 'variable' payments, like the On-Call Allowance, overtime pay, and certain role-specific bonuses, are non-pensionable. This distinction is critical for retirement planning, as only payments classified as pensionable will contribute to the 1/55.3 accrual rate that determines your annual pension income.

How do police pay increments work?

Police constables progress through an 7-point pay scale based on 'completion of a year's satisfactory service'. Each year, usually on the anniversary of your joining date, you move up one pay point (increment) until you reach the top of the scale (Point 7, currently £48,231). This progression is automatic provided your performance is satisfactory and has not been formally contested. This increment is separate from, and additional to, any annual cost-of-living pay award recommended by the PRRB.

Is police pay identical across all UK forces?

While the base pay scales are predominantly national for England and Wales, there are significant regional variations. Officers in the Metropolitan Police and City of London receive 'London Weighting' and 'London Allowance'. Forces in the South East, such as Thames Valley, Hertfordshire, and Surrey, also offer varying levels of 'South East Allowance'. Furthermore, Police Scotland and the PSNI (Northern Ireland) operate on different, though broadly similar, pay scales and regulatory frameworks.

What is the 'Pension Gap' in policing?

The 'Pension Gap' refers to the difference in retirement outcomes between the legacy 1987 scheme and the current 2015 CARE scheme. While the CARE scheme is still high-value, it requires longer service (until age 60 for a full pension) and uses career average earnings rather than final salary. Because police contributions are so high (up to 13.44%), many officers experience a significant 'net pay gap' where their take-home is lower than private sector peers, despite a higher gross headline salary.