Teacher take-home pay calculator (2026/27)
Estimate annual and monthly pay after Income Tax, employee National Insurance, your entered pension contribution and a student loan. Check the assumptions against your payslip.
Estimate your teacher take-home pay (2026/27)
England STPCD advisory pay points (M1–U3), net-pay arrangement pension relief, and Student Loan deductions.
£2,169.37 / month
£26,032.40 / yr
- Gross annual earnings:
- £34,069.00
- Annual Income Tax (PAYE):
- -£3,795.58
- Class 1 National Insurance:
- -£1,719.92
- Workplace Pension (7.4%):
- -£2,521.11
- Total statutory deductions:
- £8,036.60
Pension deductions are modeled under a net-pay arrangement (Section 193 Finance Act 2004), providing full immediate Income Tax relief while National Insurance and student loan repayments are assessed on gross earnings before pension contributions. Actual payslips may vary with overtime, enhancements, or local trust arrangements.
September 2026 teacher pay points in England
DfE STPCD 2026 Annex 3 advisory points. Main and upper range endpoints are statutory; intermediate points are advisory. Figures are annual basic salaries before allowances and deductions.
| Point | Rest of England | Fringe | Outer London | Inner London |
|---|---|---|---|---|
| M1 | £34,069 | £35,602 | £39,196 | £41,729 |
| M2 | £36,042 | £37,647 | £41,246 | £43,713 |
| M3 | £38,400 | £39,979 | £43,403 | £45,787 |
| M4 | £40,941 | £42,513 | £45,673 | £47,961 |
| M5 | £43,529 | £45,070 | £48,438 | £50,666 |
| M6 | £46,940 | £48,479 | £52,241 | £54,131 |
| U1 | £49,134 | £50,625 | £54,047 | £59,650 |
| U2 | £50,956 | £52,442 | £56,047 | £62,581 |
| U3 | £52,835 | £54,328 | £58,120 | £64,684 |
Source: DfE School Teachers’ Pay and Conditions Document 2026, valid from 1 September 2026; reviewed 22 October 2026.
Teachers’ Pension Scheme (TPS) Member Contribution Tiers (2026/27)
Statutory employee member contribution tiers for teachers in England and Wales under the TPS CARE scheme:
| Tier | Annual Pensionable Earnings Band | Member Contribution Rate |
|---|---|---|
| Tier 1 | Up to £36,198.99 | 7.4% |
| Tier 2 | £36,199.00 to £48,727.99 | 8.9% |
| Tier 3 | £48,728.00 to £57,776.99 | 9.9% |
| Tier 4 | £57,777.00 to £76,572.99 | 10.5% |
| Tier 5 | £76,573.00 to £104,413.99 | 11.6% |
| Tier 6 | £104,414.00 and above | 12.0% |
Source: Teachers' Pensions regulations. Net-pay arrangement under Section 193 Finance Act 2004.
How the estimate works
The calculation annualises the entered pay, applies standard England employment Income Tax and NI, and deducts the selected student loan and your entered net-pay pension amount. Actual payroll uses pay-period thresholds and rounding, so this is a budgeting estimate.
- HMRC 2026/27 employer rates and thresholds
- Student-loan repayment thresholds
- Understand PAYE on your payslip
- Read the Teacher pay and pension guide
Frequently Asked Questions
Clear answers based on official HMRC rules and statutory guidance.
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Visit Blog HubMatch the scheme and jurisdiction
Public-sector pay points depend on the country, employer, grade, effective date and pension arrangement. Add actual pensionable allowances rather than assuming all earnings are pensionable.
NHS and teachers pension deductions generally use a net-pay arrangement: Income Tax relief can apply without reducing NI or student-loan earnings. Use a relevant scheme statement for the contribution percentage.
Check the rules for your circumstances
Official guidance supports the rules described here; it does not approve or certify this calculator. Confirm dates, eligibility and unsupported cases before making a financial decision.