Teacher take-home pay calculator 2026/27
Choose your region and pay point. We set out exactly what reaches your bank account — Income Tax, National Insurance and your tiered Teachers’ Pension — using the 2025/26 pay scale and 2026/27 tax.
Show figures per
2025/26 STRB pay scale (the current confirmed award). Standard tax code.
Rest of England · M6
2026/27- Gross salary
- £3,779
- Teachers’ Pension (8.9%)
- −£336
- Income Tax
- −£479
- National Insurance
- −£219
- Student loan
- −£0
Monthly take-home
£32,944 a year
£2,745
Your take-home is 73% of your gross. Rounded to the nearest pound.
Verified · 2026/2721 June 2026
How teacher take-home pay works
Teachers in England are paid on statutory ranges — the Main Pay Range (M1–M6) and the Upper Pay Range (UPS1–3) — with higher scales for Inner London, Outer London and the Fringe. The figures here are the confirmed 2025/26 scale (a 4% award from September 2025); we will update them the day the 2026/27 award is announced.
Your Teachers’ Pension is tiered — from 7.4% up to 12% of your salary. As a net-pay arrangement it comes off before Income Tax, so you get tax relief automatically, but it does not reduce your National Insurance. After that come Income Tax (a £12,570 Personal Allowance, then 20% and 40%) and National Insurance (8%, then 2% above £50,270).
Figures are traced to source and checked for 2026/27 — the Teachers’ Pension tiers and gov.uk for Income Tax and National Insurance. For any salary, use the main take-home calculator.
Teacher pay questions
- How much is the teachers’ pension contribution?
- It is tiered from 7.4% to 12% of your salary, set by the band your pay falls in (from 1 April 2026). An M6 salary, for example, contributes 8.9%.
- Is the pay 2025/26 or 2026/27?
- The pay points are the confirmed 2025/26 scale (a 4% STRB award from September 2025) — the 2026/27 award is not settled yet. Your take-home is worked out for the 2026/27 tax year, and we update the scale the day the new award lands.
- What is M6 take-home pay?
- Rest of England M6 (£45,352) leaves about £32,944 a year — roughly £2,745 a month — after Income Tax, National Insurance and the 8.9% pension (no student loan).
- Does the teachers’ pension reduce my tax?
- Yes. The Teachers’ Pension Scheme is a net-pay arrangement, so your contribution comes off before Income Tax (automatic tax relief). It does not reduce your National Insurance.
- Which London band do I use?
- Use Inner London, Outer London or Fringe if your school is in those areas; otherwise use Rest of England.