This teacher take home pay calculator shows what teachers in England take home on every point of the main and upper pay ranges, from September 2026. It takes off Teachers’ Pension contributions, Income Tax, National Insurance and student loan, and works for London pay areas and part-time contracts.
Your teacher take-home pay
- Gross salary
- –
- Teachers' Pension
- –
- Take-home a year
- –
- Take-home a month
- –
| Year | Month |
|---|
In the example, an early career teacher on M1 outside London earns £34,069. After a 7.4% pension contribution, tax and NI, they take home £26,032.40 a year, or £2,169.37 a month.
How to use the teacher take home pay calculator
- Choose your pay area: rest of England, London fringe, outer London or inner London.
- Choose your pay point (M1 to U3), or pick “Other salary” for leadership pay, TLRs or unqualified teacher pay.
- Enter your contract as a percentage of full time, for example 60% for three days a week.
- Choose your student loan plan, if you have one.
Teacher pay scales from September 2026
Teachers in England got a 3.5% pay award from 1 September 2026. These are the minimum figures for each point, from the School Teachers’ Pay and Conditions Document:
| 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 |
Take-home pay on each pay point
| Point | Salary | Pension rate | Monthly take-home | With Plan 2 loan |
|---|---|---|---|---|
| M1 | £34,069 | 7.4% | £2,169 | £2,134 |
| M2 | £36,042 | 7.4% | £2,278 | £2,228 |
| M3 | £38,400 | 8.9% | £2,369 | £2,302 |
| M4 | £40,941 | 8.9% | £2,507 | £2,420 |
| M5 | £43,529 | 8.9% | £2,647 | £2,541 |
| M6 | £46,940 | 8.9% | £2,831 | £2,700 |
| U1 | £49,134 | 9.9% | £2,917 | £2,769 |
| U2 | £50,956 | 9.9% | £3,018 | £2,856 |
| U3 | £52,835 | 9.9% | £3,128 | £2,952 |
Teachers’ Pension contributions
Teachers’ Pension contributions are tiered by salary, from 7.4% to 12%, and come off your pay before tax, so you get tax relief straight away. Your employer adds a further 28.68% of salary. Rates are on the Teachers’ Pensions website. For part-time teachers, the tier is based on the actual salary you are paid.
| Actual salary | Your contribution |
|---|---|
| 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% |
Teacher salary calculator for part-time and supply teachers
Part-time teachers are paid a percentage of the full-time salary. A teacher on M6 working three days a week (60%) earns £28,164 and takes home about £1,844 a month. Supply teachers paid through an agency are not usually in the Teachers’ Pension Scheme, so use our monthly take home pay calculator instead.
Teacher take home pay calculator: London examples
| Point | Rest of England | Fringe | Outer London | Inner London |
|---|---|---|---|---|
| M1 | £2,169 | £2,254 | £2,412 | £2,549 |
| M6 | £2,831 | £2,914 | £3,093 | £3,203 |
| U3 | £3,128 | £3,215 | £3,384 | £3,667 |
London weighting is built into the scales, so the teacher take home pay calculator simply uses the higher figure for your area. Because more of a London salary falls into higher pension tiers and, at the top of the upper range, the 40% tax band, the take-home difference is smaller than the gross difference.
Why is my payslip different?
- You are paid in 12 equal monthly instalments, but a pay award in September may be backdated in a later month.
- Your tax code may not be 1257L.
- TLR, SEN or other allowances add to your pay and are pensionable.
- Union subscriptions, salary sacrifice schemes or additional pension contributions come off your pay.
Related calculators
Comparing jobs? The salary increase calculator shows how much of a pay rise you keep. Working fewer days? Try the pro rata salary calculator.
Frequently asked questions
How much does a newly qualified teacher take home?
An early career teacher on M1 outside London takes home about £2,169 a month from September 2026, before any student loan. With a Plan 2 loan it is about £2,134.
Does this teacher take home pay calculator work in Wales or Scotland?
It uses the England pay scales. Wales and Scotland set their own teacher pay, so pick “Other salary” and enter your salary to get your take-home pay.
Is Teachers’ Pension taken before tax?
Yes. Contributions come off your gross pay before Income Tax, but not before National Insurance.
When do teachers get the pay rise?
Pay awards apply from 1 September, though they are sometimes paid later and backdated.
About this calculator
This teacher take home pay calculator uses the pay ranges from 1 September 2026 and 2026/27 Income Tax, NI and student loan rates, checked against GOV.UK on 9 November 2026. It assumes a 1257L tax code and no other deductions. Results are estimates.