England, tax year 2026/27
Teacher take home pay calculator
Estimate monthly take-home pay for a teacher in England for tax year 2026/27.
Enter the gross pay you expect to receive, or start from a September 2026 advisory point and confirm whether that full-time amount is the pay you receive. If you are in the Teachers' Pension Scheme, the salary rate and the pensionable earnings are separate answers. A regular month is the annual amount rounded to the nearest penny. Twelve of those months can differ from the annual salary by a few pence. They are not a reconstruction of a 2026/27 payroll, and a September 2026 pay point is not applied to the earlier months.
September 2026 advisory pay points
These annual amounts are Annex 3, Table 12 of the School Teachers' Pay and Conditions Document 2026, dated 2026-10-14 and valid from 1 September 2026. M1 and M6 match the Main Pay Range minimum and maximum in Table 8. UPR1 and UPR3 match the Upper Pay Range minimum and maximum in Table 9. The Upper Pay Range is not the unqualified teacher scale.
The statutory ranges apply to local-authority-maintained schools in England. A point is advisory: the employer decides where a teacher is paid inside the range. Academies, independent schools and private schools are not required to use these exact points. A part-time teacher needs the actual contracted pay. This table is not a full-time equivalent for the Teachers' Pension tier, and it does not say which allowances are pensionable.
| Point | Rest of England | London Fringe | Outer London | Inner London |
|---|---|---|---|---|
| M1 | Rest of England£34,069.00 | London Fringe£35,602.00 | Outer London£39,196.00 | Inner London£41,729.00 |
| M2 | Rest of England£36,042.00 | London Fringe£37,647.00 | Outer London£41,246.00 | Inner London£43,713.00 |
| M3 | Rest of England£38,400.00 | London Fringe£39,979.00 | Outer London£43,403.00 | Inner London£45,787.00 |
| M4 | Rest of England£40,941.00 | London Fringe£42,513.00 | Outer London£45,673.00 | Inner London£47,961.00 |
| M5 | Rest of England£43,529.00 | London Fringe£45,070.00 | Outer London£48,438.00 | Inner London£50,666.00 |
| M6 | Rest of England£46,940.00 | London Fringe£48,479.00 | Outer London£52,241.00 | Inner London£54,131.00 |
| UPR1 | Rest of England£49,134.00 | London Fringe£50,625.00 | Outer London£54,047.00 | Inner London£59,650.00 |
| UPR2 | Rest of England£50,956.00 | London Fringe£52,442.00 | Outer London£56,047.00 | Inner London£62,581.00 |
| UPR3 | Rest of England£52,835.00 | London Fringe£54,328.00 | Outer London£58,120.00 | Inner London£64,684.00 |
Outer London M5, if that full-time point is the actual pay
£48,438 divides into 12 months of £4,036.50. For a member whose salary rate and pensionable earnings both equal that gross, and who has no Student Loan, the tier is 8.9%. The monthly member contribution is £359.25. The annual-tax-equivalent Income Tax is £525.95 and National Insurance is £239.08. Estimated monthly take-home pay is £2,912.22. Without membership it is £3,199.62. The employer contribution is not deducted. Adding Plan 2 (£142) and a Postgraduate Loan (£137), both calculated on the £4,036.50 gross, leaves £2,633.22 for a member. Other points use the same nearest-penny month. Where twelve months differ from the annual salary, the result says by how many pence. None of these figures rebuilds the months before September 2026.
2026/27 contribution tiers
From 1 April 2026 one member rate applies to the whole pensionable amount. The rate follows the annual salary rate for that employment. It is not a slice of each band.
| Annual salary rate | Member rate |
|---|---|
| Up to £36,198.99 | 7.4% |
| £36,199 to £48,727.99 | 8.9% |
| £48,728 to £57,776.99 | 9.9% |
| £57,777 to £76,572.99 | 10.5% |
| £76,573 to £104,413.99 | 11.6% |
| £104,414 and above | 12% |
The member contribution is net pay, so it reduces the pay used for Income Tax. It does not reduce National Insurance or Student Loan earnings. The employer rate before 1 April 2027 is 28.68%, including the 0.08% administration levy, and that amount is never taken off the employee estimate.
Member and non-member
At £30,000, membership changes the monthly estimate from £2,093.34 to £1,945.34. National Insurance stays £116.16. The member contribution is £185.00, and the monthly Income Tax equivalent falls from £290.50 to £253.50. The loans below use the £2,500 gross, not the pay after the pension.
£30,000 member, no loan
£1,945.34
Pension £185.00. National Insurance £116.16. Income Tax equivalent £253.50.
£30,000, not a member
£2,093.34
No pension. National Insurance still £116.16. Income Tax equivalent £290.50.
Further England examples
These use the same 12-month England assumptions. They are estimates, not payslips, and they are not pay-scale points.
£30,000 member, Plan 2 and Postgraduate Loan
£1,896.34
Plan 2 is £4.00 and the Postgraduate Loan is £45.00, both on the £2,500 gross.
£24,000 gross, £18,000 pensionable
£1,644.54
The 7.4% tier follows the £18,000 salary rate. The member contribution is £111.00.
£60,000 gross, £50,000 rate, £30,000 pensionable
£3,631.33
The tier is 9.9% from the £50,000 rate, not 10.5%. National Insurance is £267.50.
£50,000 full-time post at 0.6 FTE
£1,945.34
Actual annual pay £30,000. The Teachers' Pension tier is 7.4% from that employment rate, not 9.9% from the full-time post.
Methodology and sources
Income Tax, Category A National Insurance and Student Loans come from the same checked calculations as the rest of this site. This page adds the England Teachers' Pension amounts and passes the adjusted taxable pay, including any pence, into that Income Tax calculation. Taxable pay is not rounded to a pound first. Where the tax itself is not an exact penny, the annual figure is the nearest penny. The wider method is on the methodology page, with the tax and National Insurance sources on sources.
A monthly contribution is rounded to the nearest penny. The March 2026 member factsheet shows £4,520.55 at 9.9% as £447.53, and £4,058.33 at 8.9% as £361.19. Those are irregular pay periods, not full tax-year salaries. An exact half penny is not calculated. Whole-pound Monthly Data Collection reporting is not used on this estimate.
- Teachers' Pensions: calculating contributions
- Teachers' Pensions: tiered contribution questions
- Tiered contributions member factsheet, March 2026
- School teachers' pay and conditions
The employer questions page still shows an older 8.6% example. This calculator uses the 2026/27 table, where £36,000 is in the 7.4% band. Leadership, leading practitioner, TLR and SEN allowances are not offered. The September 2026 Main and Upper points above are references, not a payroll for the whole tax year.
Questions
Does this calculator assume I am in the Teachers' Pension Scheme?
No. You choose membership or not a member. If you are a member, you also say whether the salary rate and the pensionable earnings match your gross salary. A general workplace pension is not applied.
Is the employer Teachers' Pension contribution taken off my pay?
No. The 28.68% employer contribution, including the administration levy, is shown separately. Only the member contribution is deducted in the take-home estimate.
Does a net-pay Teachers' Pension contribution reduce National Insurance or a Student Loan?
No. It reduces taxable employment income. National Insurance and a selected Student Loan or Postgraduate Loan still use the gross monthly pay.
Can I use a September 2026 pay point for the whole tax year?
The selector shows advisory points from the School Teachers' Pay and Conditions Document 2026, valid from 1 September 2026. Choosing one does not rebuild April to August 2026 and does not calculate back pay. The estimate keeps the annual amount you confirm and shows it as 12 regular months, rounded to the nearest penny.
Is a pay point my actual salary?
No. M1 to M6 and UPR1 to UPR3 are advisory full-time references for local-authority-maintained schools in England. Your employer sets the salary. Academies and independent schools are not required to pay these points. For part-time work you can apply a working fraction to a full-time post salary, or enter the annual pay you actually receive.
How does part-time FTE affect the Teachers' Pension tier?
Teachers' Pensions chooses the member rate from the annual salary rate for that employment, not from the full-time equivalent post salary. A 0.6 FTE post on a £50,000 full-time rate is modelled here as £30,000 actual pay and a 7.4% tier, not 9.9%. Supply and irregular earnings are not calculated.
Does the pay point set my Teachers' Pension tier?
No. The tier uses the annual salary rate for that employment. Pensionable earnings are a separate amount. The full-time point is not used as either figure unless you choose that, and allowances are not assumed to be pensionable.
Does this cover teachers in Scotland, Wales or Northern Ireland?
No. This calculator is for eligible employment in England. Scotland and Northern Ireland have their own teachers' pension schemes. Wales is not calculated, and England pay scales are not applied to Wales.
Is this my exact 2026/27 payslip?
No. It is a regular-pay annualized estimate. It assumes the amounts you enter are the same in each of 12 months. It does not rebuild a year that includes a mid-month rise, backdated pay, or a September pay change. Income Tax is an annual-tax equivalent, not PAYE.