Teacher Pay Calculator 2026-27
Choose an England pay area and M1-M6 or U1-U3 point to estimate annual, monthly and weekly take-home after Teachers' Pension contributions, PAYE, National Insurance and student loans.
Add pensionable allowances or responsibility payments; leave non-pensionable overtime out.
Annual take-home
£28,433.52Monthly take-home
£2,369.46Weekly take-home
£546.80- Basic salary
- £38,400.00
- Gross pay
- £38,400.00
- Pension (8.90%)
- -£3,417.60
- Income Tax
- -£4,482.48
- National Insurance
- -£2,066.40
- Take-home pay
- £28,433.52
Teacher pay scales from 1 September 2026
| Point | England (outside London) | London 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 |
Annual figures apply from 1 September 2026. Results above annualise that rate over 12 months.
Teachers' Pension contribution tiers from 1 April 2026
| Pensionable salary up to | Member rate |
|---|---|
| £36,199 | 7.4% |
| £48,728 | 8.9% |
| £57,777 | 9.9% |
| £76,573 | 10.5% |
| £104,414 | 11.6% |
| No upper limit | 12.0% |
Frequently asked questions
What is the teacher pay rise for 2026?
The government accepted a 3.5% award for teachers in England from 1 September 2026. The calculator uses the resulting September 2026 advisory M1-M6 and U1-U3 scale points.
Does this cover every school?
It covers the advisory classroom-teacher scales for maintained schools in England. Academies may set their own pay and leadership, leading-practitioner, SEN and teaching-and-learning responsibility payments are not included unless you enter them as additional pensionable pay.
How is Teachers' Pension deducted?
The calculator selects the 2026-27 member contribution tier from total pensionable pay. Contributions receive payroll tax relief, but do not reduce National Insurance or student-loan repayment earnings.
Why is this an annualised figure?
The published scale applies from 1 September 2026. Results show a full 12 months at that rate, rather than a blended April-to-August and September-to-March tax-year total.
Official sources
Related Calculators
Police Pay Calculator
September 2026 police rank and pay-point salary and take-home after Police Pension, PAYE, NI and student loans.
NHS Pay Calculator
2026/27 Agenda for Change bands 2-9 take-home pay after the 3.3% award, HCAS, NHS Pension tiers, tax and NI.
Take-Home Pay Calculator
UK salary calculator — net pay after PAYE, NI, student loan and pension, month-by-month with Scottish band support.
Student Loan Repayment Calculator
Plan 1 / 2 / 4 / 5 plus postgraduate loan repayments by income — current thresholds and 9% / 6% rates applied.
Pension Tax Relief Calculator
20% / 40% / 45% pension tax relief on contributions, with the £60k annual allowance and high-income tapering.