Teacher Pay Calculator 2026/27
Pick your pay point and area — see your real take-home pay after Teachers' Pension, income tax, National Insurance and student loan. England scales including Inner London, Outer London and the Fringe.
Teacher take-home pay by pay point — Rest of England
Full-time, Teachers' Pension included, no student loan. London areas pay more — select your area in the calculator for your figures.
| Pay point | Salary | Pension rate | Take-home / month |
|---|---|---|---|
| M1 | £34,069 | 7.4% | £2,169.37 |
| M2 | £36,042 | 7.4% | £2,278.01 |
| M3 | £38,400 | 8.9% | £2,369.46 |
| M4 | £40,941 | 8.9% | £2,506.84 |
| M5 | £43,529 | 8.9% | £2,646.77 |
| M6 | £46,940 | 8.9% | £2,831.19 |
| U1 | £49,134 | 9.9% | £2,917.06 |
| U2 | £50,956 | 9.9% | £3,017.78 |
| U3 | £52,835 | 9.9% | £3,127.51 |
Teacher pay questions
What does a newly qualified teacher take home?
An ECT starting on M1 in the Rest of England (£34,069 from September 2026) takes home about £2,169 a month after Teachers' Pension, tax and National Insurance. In Inner London (M1 £41,729) it's about £2,549 a month.
How much do teachers pay into their pension?
Between 7.4% and 12% of pay, depending on your salary tier (bands from April 2026). Most classroom teachers pay 7.4%–9.9%. Your school pays in a further 28.68% — one reason the Teachers' Pension is so valuable.
When do the 2026/27 teacher pay scales start?
Teacher pay scales run with the school year: the 2026/27 points (a 3.5% uplift on 2025/26) apply from 1 September 2026 in maintained schools, with academies usually following.
Do part-time teachers pay the same pension rate?
Your contribution tier is set by your annual salary rate, and contributions are charged on your actual (part-time) pay. Enter your FTE percentage in the calculator and it models both correctly.