● 2026/27 · MPR/UPR · Teachers' Pension

Teacher Salary Calculator UK

Choose your teaching pay scale point and region to see your gross salary and real monthly take-home — after Income Tax, National Insurance and your tiered Teachers' Pension contribution.

📚 Main & upper pay range 🏫 Teachers' Pension included 📅 2026/27 rates

Your teaching take-home

England & Wales pay scales

Monthly take-home
£0
£0 a year · gross £0
Gross salary£0
Teachers' Pension £0
Income Tax£0
National Insurance£0
Student loan£0
Annual take-home£0

Pension is deducted before Income Tax. Excludes TLR payments and SEN allowances. Indicative 2026/27 scales.

📚 Teacher pay scales 📅 2026/27 rates 🏛️ DfE & HMRC sourced 🔒 Runs in your browser
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How teacher pay works

Qualified teachers in England and Wales are paid on a national framework with a Main Pay Range (MPR) and an Upper Pay Range (UPR) for experienced teachers who pass threshold. Your pay also depends on region — Inner London, Outer London, the Fringe, or the rest of England and Wales. On top of that, leadership posts, TLR responsibility payments and SEN allowances can add several thousand pounds.

ScaleRest of E&WInner London
M1 (starting)£31,650£38,766
M6 (top of main)£43,607£50,288
U1 (upper range)£45,950£54,000
U3 (top of upper)£49,500£58,000
The pension is gold-standard. The Teachers' Pension is a career-average defined-benefit scheme. Your contribution comes out before tax, and the employer adds a large contribution on top — so the real value far exceeds the slice deducted from your payslip.

Teachers' Pension contribution tiers

Member contributions are tiered by salary, from about 7.4% on the lowest band to 11.7% on the highest. Because the deduction happens before Income Tax, the true cost is lower than the headline rate. Compare your overall deductions on the salary calculator, and model extra pension saving on the pension contribution calculator.

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Teacher salary FAQs

What is a UK teacher's starting salary in 2026/27?

The main pay range starts at about £31,650 outside London and around £38,766 in Inner London. Take-home is reduced by Income Tax, NI and the Teachers' Pension contribution.

How much do teachers pay into the pension?

A tiered 7.4%–11.7% of salary, taken before Income Tax. Most main-scale teachers pay around 9.6%.

What is the take-home on a £40,000 teaching salary?

Roughly £2,400–£2,500 a month after tax, NI and pension, before any student loan.

Do TLR and SEN payments change this?

Yes — responsibility (TLR) and SEN allowances add to gross pay and are taxed normally. This tool shows basic pay-scale salary plus region only.

Mustafa Bilgic
Reviewed by Mustafa Bilgic
Founder, WebCalculator

Pay scales follow the School Teachers' Pay and Conditions framework; pension tiers from Teachers' Pensions; tax and NI from HMRC for 2026/27. Estimates only, not financial advice.