Police Back Pay Calculator
What your September payslip should say, and what you are owed if it does not. Pick your rank and pay point to see the new figure, any arrears and what reaches your bank after tax, National Insurance and pension.
- 3.5% award confirmed, effective 1 September 2026
- Free estimate
- England and Wales officers
Constable (from April 2013), point 1, Metropolitan Police. New rate first paid in the October payslip.
- Take-home a month
- £2,441.61
- was £2,386.26
- Extra in your bank a month
- +£55.35
- from £90.90 gross, 61% kept
- Back pay owed
- £90.90
- £55.35 after deductions
- New basic pay a year
- £32,255
- was £31,164
Your pay before and after the 3.5% rise
Take-home is after income tax, National Insurance and pension.
| Item | Before | From 1 Sept |
|---|---|---|
| Basic pay a year | £31,164 | £32,255 |
| Allowances a year | £10,079 | £10,079 |
| Take-home a month | £2,386.26 | £2,441.61 |
You keep a month
+£55.35
Of a £90.90 gross rise: 61% reaches your bank.
Back pay owed
£90.90
For 1 month at the old rate. About £55.35 reaches your bank in the October payslip.
Payslip by payslip
Every pay run of the 2026/27 tax year, modelled on a cumulative tax code: the figures to check your real payslip against.
- Basic
- £3,436.94
- Arrears
- -
- Pension
- £477.05
- Tax
- £382.48
- NI
- £191.12
- Basic
- £3,527.83
- Arrears
- £90.90
- Pension
- £502.28
- Tax
- £413.79
- NI
- £205.66
What the £7.99 full report adds
Worked out on your inputs, including your October catch-up payslip and every pay run to March 2027.
- Every pay run to March 2027, with tax, NI and pension split out
- The exact arrears figure to check against your catch-up payslip
- Pension tier and National Insurance effects priced in pounds
- Also unlocks the full Police Salary Report on the main calculator
One-off payment. No subscription. Secure checkout by Stripe. 14-day refund, no reason needed: refund policy.
Official pay table alert
Email me when the official 2026/27 pay table is out
The 3.5% from 1 September 2026 is confirmed, but the Home Office has not yet published the official 2026/27 pay determination (Annex F), so the scale figures here are our calculations. We will email you when it is published, with a plain summary of anything that differs from these figures. After that, only occasional officer pay and pension updates. England and Wales officers.
Sent by a person when there is news, not on a schedule. Unsubscribe any time. See our privacy policy.
Next steps
Your figures go with you, so you do not have to type them again.
- Salary calculatorYour full take-home payOpens with your rank, pay point and force filled in: overtime, allowances and a full monthly breakdown.Open the salary calculator
- Pension calculatorWhat the new pay builds in pensionOpens with your new basic pay of £32,255 and rank filled in. Add your age and service.Open the pension calculator
- GuideHow back pay worksWhen arrears arrive, how they are taxed and why the lump can look smaller than expected.Read the guide
Estimate only. Modelled on the confirmed 3.5% England and Wales award effective 1 September 2026, a standard cumulative tax code and 12 monthly pay runs. Your own payslip can differ because of your tax code, student loan deductions, salary sacrifice, overtime, non-pensionable allowances and local payroll treatment. Allowances are treated as pensionable in line with the main salary calculator.
How the 2026 pay rise and back pay work
The 3.5% award takes effect on 1 September 2026. If your force's payroll cannot implement it in time, the increase is backdated and arrives later as arrears. The rules behind the figures above, in plain English.
Why the rise is smaller than 3.5% in your bank
A pay award is announced as a percentage of gross pay, but three deductions sit between that number and your account. Pension contributions come off first, at a rate set by which contribution tier your pensionable pay falls into. Income tax is charged on what is left. National Insurance is charged on the full gross.
For most officers that means roughly two thirds of the headline increase survives to become take-home pay. The exception is the officer whose new pay crosses a pension contribution threshold. Police pension tiers are stepped rather than tapered, so the higher percentage applies to all of your pensionable pay, not only the part above the threshold. The band is set from the previous scheme year's pensionable pay (Police Pensions Regulations 2015, reg 167A), so a continuing member moves up from April 2027, not on 1 September. Once it applies, the share of the award you keep drops sharply.
The calculator flags that automatically if it applies to your rank and pay point.
How arrears are taxed when the award lands late
Arrears are treated as earnings in the month they are paid, not in the months they relate to. Income tax handles this well: on a normal cumulative tax code, payroll recalculates the tax due on your pay to date each month, so a catch-up run corrects itself and the year-end position is the same as if you had been paid on time.
National Insurance does not work that way. It is assessed against each pay period separately, using monthly thresholds, and it is never recalculated across the year. A lump sum of arrears can therefore push a single month's earnings above the monthly upper earnings limit, where the rate drops from 8% to 2%. Depending on where your normal monthly pay sits, that can leave you slightly better or slightly worse off than if the money had arrived on schedule. The calculator prices the difference.
Common questions
When does the 2026 police pay rise get paid?
The 3.5% award for England and Wales takes effect on 1 September 2026. Each force applies it through its own payroll. Where payroll cannot implement it in time, the increase is backdated to 1 September and paid as arrears in a later month; the date varies by force and we know of no national payment date.
How much back pay am I owed if my force pays late?
Back pay is the difference between your old and new annual pay, divided by twelve, multiplied by the number of monthly pay runs still paid at the old rate. For a constable at the top of the scale the annual increase is about £1,760, so one month late is roughly £147 gross and three months late is roughly £440 gross.
Is police back pay taxed?
Yes. Arrears are treated as pay in the month they are received, so income tax, National Insurance and pension contributions all come off. Income tax under a cumulative tax code self-corrects across the year, but National Insurance is charged against the thresholds for the single month the lump sum lands in.
Why do I keep less than the headline percentage?
A 3.5% gross rise is reduced by income tax, National Insurance and pension contributions before it reaches your bank. Most officers keep roughly two thirds of the increase. If the rise would take your pensionable pay across a pension contribution threshold, the higher rate applies to all of your pay once your band changes, and you would keep considerably less. For a continuing member that happens from April 2027, because the band follows the previous scheme year's pay (Police Pensions Regulations 2015, reg 167A).
Can a pay rise leave me worse off?
It is rare but possible at the edges of a pension contribution tier. Police pension contribution rates step up in bands, and the higher rate applies to your whole pensionable pay rather than only the part above the threshold. The band is set from the previous scheme year's pensionable pay (reg 167A), so an officer just below a threshold before the award and just above it afterwards would move up from April 2027, not in the 2026/27 year, and would then keep much less of the increase than colleagues elsewhere on the scale.
Which constable pay scale does the calculator use?
England and Wales has two constable pay scales. Constables appointed on or after 1 April 2013, including every recent recruit, are on a 7-point scale (pay points 1 to 7); constables appointed before that date are on the older 8-point scale (points 0 to 7). The calculator defaults to the post-2013 scale and lets you switch. Scales are calculated from the official 2025/26 figures plus the confirmed 3.5% from 1 September 2026, rounded to the nearest pound, so they may differ from the Home Office's own published figures by a few pounds.
Does this calculator include overtime?
No. This tool models basic pay, force allowances and the confirmed award. Use the Police Overtime Calculator for casual overtime, rest day working and public holiday rates.
Why does my payslip not match this exactly?
The model assumes a standard cumulative tax code and twelve monthly pay runs. Your payslip can differ because of your tax code, student loan deductions, salary sacrifice arrangements, overtime, non-pensionable allowances and how your force's payroll treats arrears.