How much is a teacher’s take-home pay?

Your take-home is your gross salary minus Income Tax, National Insurance and your Teachers’ Pension contribution. On the England 2025/26 scale (Rest of England) the main range runs from M1 £32,916 to M6 £45,352, and the upper range from U1 £47,472 to U3 £51,048; the calculator applies the current tax, NI and TPS tiers to show your net figure.

How much is the Teachers’ Pension contribution?

The Teachers’ Pension Scheme uses six salary tiers for 2026/27: 7.4% up to £36,199, 8.9% to £48,728, 9.9% to £57,777, 10.5% to £76,573, 11.6% to £104,414, and 12% above that. Contributions get Income Tax relief, but National Insurance is still charged on your full salary.

Does this cover London teachers or TLR payments?

The pay-point picker uses the Rest of England scale. Inner London, Outer London and Fringe teachers, or anyone with a TLR, SEN or leadership allowance, can type their actual gross into the calculator instead. Student loan repayments are not included.

Which pay scale year does this use?

Teacher pay runs September to August, so the 2025/26 STPCD scale applies until 31 August 2026. Pension contribution tiers run on the tax year, so the calculator uses the TPS tiers effective from April 2026. The nation selector changes only the Income Tax calculation.

Teacher Take-Home Pay Calculator 2025/26

Pick your pay point to see your teacher take-home pay - your gross salary minus Income Tax, National Insurance and your Teachers’ Pension contribution. Based on the England 2025/26 School Teachers’ Pay and Conditions scale (Rest of England).

Cite or embed - free under CC BY 4.0

How teacher take-home pay is worked out

Teachers in England are paid on the main pay range (M1-M6) and, after crossing the threshold, the upper pay range (U1-U3). This calculator uses the England 2025/26 School Teachers’ Pay and Conditions Document (effective 1 September 2025, a 4% award; Rest of England scale). Your take-home is the gross salary minus three deductions: Income Tax, National Insurance and your Teachers’ Pension contribution.

Teachers’ Pension Scheme contribution tiers

The Teachers’ Pension member contribution rate for 2026/27 depends on your salary, across six tiers:

7.4% up to £36,199
8.9% from £36,199 to £48,728
9.9% from £48,728 to £57,777
10.5% from £57,777 to £76,573
11.6% from £76,573 to £104,414
12% above £104,414

The Teachers’ Pension Scheme is a net pay arrangement: contributions are taken before Income Tax, so you get tax relief at your marginal rate, but National Insurance is still charged on your full salary. The tier thresholds rose by 3.8% (September 2025 CPI) from April 2026; the rates are unchanged.

Frequently asked questions

How much is a teacher’s take-home pay?: Your take-home is your gross salary minus Income Tax, National Insurance and your Teachers’ Pension contribution. On the England 2025/26 scale (Rest of England) the main range runs from M1 £32,916 to M6 £45,352, and the upper range from U1 £47,472 to U3 £51,048; the calculator applies the current tax, NI and TPS tiers to show your net figure.
How much is the Teachers’ Pension contribution?: The Teachers’ Pension Scheme uses six salary tiers for 2026/27: 7.4% up to £36,199, 8.9% to £48,728, 9.9% to £57,777, 10.5% to £76,573, 11.6% to £104,414, and 12% above that. Contributions get Income Tax relief, but National Insurance is still charged on your full salary.
Does this cover London teachers or TLR payments?: The pay-point picker uses the Rest of England scale. Inner London, Outer London and Fringe teachers, or anyone with a TLR, SEN or leadership allowance, can type their actual gross into the calculator instead. Student loan repayments are not included.
Which pay scale year does this use?: Teacher pay runs September to August, so the 2025/26 STPCD scale applies until 31 August 2026. Pension contribution tiers run on the tax year, so the calculator uses the TPS tiers effective from April 2026. The nation selector changes only the Income Tax calculation.

Other UK tax calculators that pair with the Teacher take-home.

How teacher take-home pay is worked out

Teachers’ Pension Scheme contribution tiers

Frequently asked questions

Related calculators