Your firefighter earnings, on one report you can keep.

Try the free pay report first: it uses the same engine and stays free.

What the Personal Firefighter Pay Report is for

The free firefighter pay report answers "what do I take home?". This paid version answers the questions that follow: what happens to my pay if the next award is 2% or 4%, what would promotion to crew manager in October do to my year, is my tax code costing me money, and does the payslip in my hand agree with what I should be paid? It packages the answers as a report you can keep, print or save as a PDF, so you have a dated record to bring to a payroll query, a budgeting conversation or a mortgage meeting.

Who it is for

Serving firefighters and officers from firefighter to area manager in England, Scotland, Wales and Northern Ireland, and London Fire Brigade firefighters, who want to understand their pay properly. It suits people weighing a promotion or extra overtime, anyone who has received a tax code change, new joiners checking their first payslips, and partners or advisers who want a clear summary of a firefighter's income. It is not designed for people outside the NJC and LFB pay structures, and it does not replace advice from a regulated adviser, HMRC or your pension administrator.

What is inside the report

• Summary and gross-to-net table in annual, monthly and four-weekly columns, with a donut of where your gross pay goes.
• Six scenarios side by side: today's basis, a pay award you choose, promotion to a target pay point from a month you choose, overtime up, overtime down, and a combined case. Each shows gross, take-home and the change against today, and a chart shows the month-by-month path including the April tax-year change.
• Tax-code sensitivity: your code, standard 1257L, a lower allowance, BR, 0T and a K code, so you can see how much a coding change would cost. The tax code guide explains what each means.
• Pension cost versus benefit: your contribution, the tax-relief effect on take-home, and the annual pension built under FPS 2015 using the accrual rate for your nation.
• Payslip checklist: nine checks with your expected figures that remember your ticks on this device, plus a line-by-line comparison in the free tab.
• AI answers and an AI-written briefing: ask questions grounded in your numbers, and generate a written interpretation that appears in the printable report, clearly marked as AI-written.

How it works and where the numbers come from

Basic pay, hourly and overtime rates and on-call retainers come from the NJC pay table effective 1 July 2026 (LGA Circular NJC/2/26); London Fire Brigade uses its own scale (Policy 558). Income Tax, National Insurance, student loan thresholds and FPS 2015 contribution bands come from the 2026/27 figures used across this site, and the tax-code cases follow GOV.UK's description of tax codes: a standard code gives the full £12,570 Personal Allowance, BR taxes all income at the basic rate and 0T gives no allowance. Scenario months use cumulative PAYE, the way payroll actually works, so a busy overtime month is taxed in the month it is paid and April starts a new tax year.

Read the take-home pay guide and the payslip explained guide alongside the report. For a full twelve-month plan with overtime set month by month and a savings goal, see Pay Planner Pro.

Honest limits

The report is an estimate. It assumes NI category A and a standard year at your chosen pay point unless you model otherwise, and it does not include salary sacrifice or benefits in kind. Pay-award, promotion and overtime scenarios are your assumptions, not forecasts, and service-specific allowances, protected pension rates and payroll timing can change what you see on a payslip. Tax rates for 2027/28 are not yet known, so scenario months after April 2027 assume 2026/27 thresholds continue (only the Plan 1 student loan threshold change is confirmed). The Wales and Northern Ireland pension percentage is an input to copy from your payslip. If the report and your payslip disagree, the payslip and your payroll department are right: use the checklist to find out why.