Teacher take-home pay calculator
Choose your pay point for a starting figure, then adjust. We apply income tax, National Insurance and your Teachers' Pension Scheme contribution to show your real take-home.
A teacher on around £43,000 (top of the main pay range) contributing 9.6% to the Teachers' Pension Scheme takes home roughly £31,177.20 a year — about £2,598 a month — after tax, NI and pension. TPS contributions are tiered (roughly 7.4% to 11.7%); set yours below to match your payslip.
- Personal allowance
- £12,570
- Applies in
- England, Scotland & Wales supported
- Calculation
- TPS via net-pay (reduces tax, not NI)
Salaries are typical 2025/26 examples — adjust to your exact figure. TPS contributions are tiered by salary; confirm your rate at the Teachers' Pensions contribution tiers page.
Parsed as: 1257L (£12,570 allowance, England & NI)
Taken before tax — reduces your income tax, but not your NI.
How teacher pay is taxed
Teacher salaries go through PAYE, with the Teachers’ Pension Scheme taken as a net-pay contribution — before income tax, so it lowers your tax bill but not your National Insurance. Contribution rates are tiered by salary (currently about 7.4% to 11.7%), and the scheme is a valuable defined-benefit, inflation-linked pension with a large employer contribution on top. Set your pay point and tier above; the take-home figure already reflects the pension.
Questions people ask
For others like you
Sources: Teachers' Pension contribution tiers · School teachers' pay — gov.uk · Income tax rates — gov.uk