You Earn a Decent Income As a Doctor So why does it still feel tight?
Most UK medics are quietly losing money to tax they did not know they were paying, a pension they have never read, and investing that keeps getting postponed.
MEDSCAN shows you exactly where your money is leaking, and what to fix first.
3 minutes
Free, no card
Personalised report
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Reader Reactions
What UK Doctors say about
Moneywise Doctor.
"I learned about the 60% tax trap, investing, pensions, ISAs and tax rebates all in 90 minutes. I will definitely recommend his resources to colleagues and medical friends. You have very valuable skills."
Ms. Saima Sharif
Consultant Obstetrician and Gynaecologist
"Thanks to Moneywise Doctor for helping me understand my investing options and showing me a simplified step-by-step method to claim back my professional expenses going back 4 years."
Dr. Chinwe Utomi
NHS Psychiatry Doctor
"Dr. Andy was exactly the person I was looking for. Being a doctor, he could clearly understand where I stood in my career and estimate my financial knowledge. I have finally started my investment journey."
Dr. Dharmendra Muktha
A&E Registrar
Thank you Moneywise Doctor. One of the key issues is making money as a doctor and not knowing where your money is going. This session has been really helpful, especially in being able to benefit from the previous tax year on my Lifetime ISA and gain indepth knowledge about Stock and Shares. I now know what to do with my money
Dr. Ruth Akanni
NHS Psychiatry Doctor
It's truly a blessing to access the invaluable financial insights from MoneywiseDoctor. I've not encountered any platform quite like it, one that eagerly imparts financial wisdom to help doctors avoid costly missteps. The segment on smart tax strategies was especially enlightening.
Dr Shonubi
Salaried GP, NHS
I want to appreciate the Moneywise doctor and his team for making investment easy for doctors and other healthcare professionals, just by listening to Moneywise Doctor it gave my family the courage to get into the property ladder, Moneywise doctor was available all the way in helping we get the right personnels for the process.
Dr Esther Egwumah-Atule
NHS Doctor
Coming across Moneywise Doctor is probably one of the highlights of my 2024 yet. By reading the various detailed blogposts and articles he puts out weekly in addition to the Ask Me Anything sessions, I have been able to take control of my financial future with a good plan. I wish I had come across them earlier.
Dr Andy from Moneywise Doctor is heaven-sent. He knows his stuff and how to deliver the message to address my personal goals and financial wellness needs. He answered all my questions and, together, we developed a feasible action plan for me.
I had my first 1:1 session on the Moneywise Doctor Mastermind program a few days ago. As a doctor, the financial insights I gained are unparalleled. The knowledge gleaned has made a difference in my understanding and approach to money. I strongly recommend this coaching program to all medical professionals.
I cannot emphasize enough how invaluable the guidance from the moneywise doctor has been for my financial well-being. MoneyWiseDoctor's expertise has helped me plan a stable and stress-free financial future, providing verifiable information that makes it easy to calculate and work out my risks better before making financial decisions.
It has given me a lot of financial education in a simplified manner. I wish I had this opportunity 5 years ago. I would highly recommend to new immigrant medics and even non medics to enjoy this free resource and take charge of their financial health.
I highly recommend Moneywise Doctor. The brilliant insights and guides exceed my expectations and bring peace of mind to navigating the locum life as a Doctor. Professional, knowledgeable, and thoroughly trustworthy.
The MoneyWiseDoctor and blog have been a steady go to for answers to the nagging financial questions in the busy life of a UK doctor. The insights provided are very helpful in arriving at a tailored financial decision. Kudos to the Team.
As a busy doctor, I have come to understand that it is important to seek financial knowledge albeit in a simplified and easy to understand manner. The moneywise doctor blog is one of my go-to resources for this.
03:25
★★★★★
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Dr Abiodun Obisesan
General Practitioner
01:35
★★★★★
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Dr Chinwe Ekanem
GP
01:05
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Dr Nonso Ozoalor
NHS GP Registrar
03:54
★★★★★
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Dr Adaeze Juanita Oriaku
Leadership Fellow, NHSE YH
00:56
★★★★★
AG
Ayodeji Gabriel Omosebi
GP
01:09
★★★★★
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Obi
Portfolio GP / Entrepreneur
Your Next Step
Three ways in. Pick what fits.
Whether you want a diagnosis, a weekly nudge, a deep-dive financial clarity session, or long-term structured financial coaching — start where you are.
01 · Recommended
Run a MEDSCAN
The three-minute financial health diagnostic. Find your hidden gap and blind spots, get a personalised report, and know exactly what to fix first to avoid costly mistake.
02 · Free
Get My Free Financial Wellbeing
The Doctors' Financial Wellbeing Course, plus a welcome series covering the 60% tax trap, professional expenses, pensions and automation. Delivered to your inbox.
03 · Watch
Learn in Video Bytes
780 videos and counting on tax, pensions, ISAs, SIPPs, limited companies and investing. Short, practical, and free. Learn on the ward round or the commute.
We See You
You did not study medicine to
drown in tax laws and Financial Jargons.
Most UK doctors are stuck in one of six places. The pattern is more common than the profession admits.
The 60% tax trap
Earnings between £100k and £125k get taxed at an effective 60% as the personal allowance withdraws. Most consultants and senior GPs do not know they are inside it.
NHS pension confusion
Which scheme. What tier. McCloud remedy. The TRS. Most medics have never read a single statement properly, and assume "the NHS handles it". It does not.
Investing overwhelm
ISA, SIPP, LISA, GIA, JISA. Index funds, ETFs, individual stocks. Where to start, what to skip, and how to know if you are even doing it right.
High income, still feeling behind
Six figures on paper, but the money disappears. No clear plan. No system. The unease that the gap between earnings and security is growing.
IMG financial realities
No UK credit history. Foreign currency to consolidate. Pensions to compare. The advice written for UK-trained medics does not map cleanly to your situation.
Delayed investing
Years that should have been compounding, spent on training and rotations. The maths still works in your favour, but only if you start now.
900 videos. Zero jargon.
Short, practical videos on the money questions medics actually ask. Listen on the commute, between clinics, or on a night shift break. All free.
We See You
Methodologies built for medics, by
a medic.
The Moneywise Doctor frameworks turn financial complexity into simple, clear clinical-style protocols. Each one is built around how UK medics actually live and work.
MEDSCAN
Medical Financial Diagnostic
A three-minute financial health check across the six dimensions every UK medic should be measuring. Tax efficiency, pension health, investing readiness, protection, debt, and emergency stability. Yours scored and explained.
AMASS
Automated Monthly Allocated Saving System
Move money to pension, ISA and emergency fund before lifestyle spending touches it. Set up once, runs forever. The single highest-leverage system most medics have never implemented.
SCRUBS
The six-step wealth protocol
- S – Safety net
- C – Clarity and confidence
- R – Remove high-interest debt
- U – Underwrite your risks
- B – Build your blueprint
- S – Shield from taxes
Created by Dr Andy Egwim, former NHS GP and investor
Hi, I'm Dr. Andy Egwim.
UK-trained GP. Amazon bestselling author of The Moneywise Doctor. Investor for 20+ years, financially independent in my thirties. I left my salary NHS job after achieving financial freedom through tax efficient investing.
I built Moneywise Doctor because the financial education written for “high-net-worth professionals” was never actually written for doctors.
As doctors, we spend years studying and training, often working in demanding, high-pressure roles. By the time we start earning well, many of us are only just beginning our financial journey.
The NHS pension is unlike any other. Locum taxation comes with its own complexities. International Medical Graduates (IMGs) face a unique set of financial challenges. Generic financial advice simply doesn’t address these realities.
I wanted a resource that treated those realities seriously.
Trusted Specialists
The right specialist, vetted for
medics.
Education only takes you so far. When you need a professional, these are the ones who actually understand how doctors are paid.
Stop overpaying HMRC.
Locum income, private practice, limited companies, professional expenses going back four years. A generalist accountant will miss what a medical specialist finds.
- Claim back professional expenses you have missed
- Structure locum and private income correctly
- Navigate limited company decisions with real numbers
- Support with HRMC investigations
Get connected
Enter your details and we will send you the introduction plus our accountant briefing note.
Lenders often do not understand doctors pay.
Rotational contracts, locum income, NHS bandings, IMGs with thin UK credit history. A specialist adviser knows which lenders say yes, and gets your mortgage and protection right the first time.
- Mortgages for rotational, locum and IMG doctors
- Income protection built around workplace sick pay
- Life cover and critical illness, explained properly
Get connected
Enter your details and we will send you the introduction plus our accountant briefing note.
Amazon Best Seller
The Financial Playbook every medic has been
waiting for.
The Moneywise Doctor: A practical guide to financial freedom for medics. Build wealth, optimise tax, and live on your own terms.
Written by Dr. Ndubuisi ‘Andy’ Egwim — Former Salaried NHS GP.
⭐⭐⭐⭐⭐
5 of 5 (reviews)
Three minutes. One report. A clearer picture of your money.
MEDSCAN is free, takes about three minutes, and gives you a personalised score across the six dimensions every UK medic should be measuring.
3 minutes
Free, no card
Personalised report
Get in Touch
Get in touch and let’s chat about how we can help you achieve financial goals! Whether you have a question, suggestion, or just want to say hi, we want to hear you. Don’t be shy, drop us a line!