What is the take-home pay for a teacher on M1 in 2026/27?

On the Main Pay Range point M1, the Rest of England statutory salary is £32,916. After the Tier 1 Teachers' Pension contribution (£2,436), £3,582 PAYE income tax and £1,628 National Insurance, the net take-home is £25,271 per year — £2,105.88 per month.

How much does M1 pay in Inner London?

In Inner London, M1 carries a statutory salary of £40,317 — £2,473 per month take-home after Teachers' Pension, PAYE and NI, versus £2,106 on the Rest of England scale.

Is the Teachers' Pension deducted before tax?

Yes. The Teachers' Pension Scheme (TPS) is a Net Pay Arrangement — the Tier 1 contribution is taken from gross pay before PAYE income tax, granting tax relief at your marginal rate. National Insurance is still charged on the full gross salary.

Teachers · STPCD · FY 2026/27 Calc-engine routed

Teacher scale M1 take-home.

Penny-accurate take-home for the STPCD Main Pay Range point M1 — the Tier 1 Teachers' Pension as a Net Pay Arrangement, then PAYE and NI across every regional pay zone from Rest of England to Inner London.

Engine note · `computeTeacherBreakdown()` — TPS deducted before PAYE, NI on the full gross, each zone using its published statutory minimum. No flat premiums, no float drift.

Gross (Rest of Eng.): £32,916
Net monthly: £2,106
Effective rate: 23.2%

Take-home by region · Main Pay Range M1

Standard tax code 1257L, full-time, no student loan. The Teachers' Pension is a Net Pay Arrangement (deducted before PAYE); NI is charged on the full gross. Add pro-rata, student loans and tax codes in the teachers' calculator.

Line item	INNER	OUTER	FRINGE	REST
Gross salary	£40,317	£37,868	£34,397	£32,916
TPS pension	£3,588	£3,370	£2,545	£2,436
Income tax (PAYE)	£4,832	£4,386	£3,856	£3,582
National Insurance	£2,220	£2,024	£1,746	£1,628
Annual take-home	£29,677	£28,088	£26,249	£25,271
Monthly take-home	£2,473	£2,341	£2,187	£2,106

Reference · 2026/27 FROZEN

Statutory gross for M1 per STPCD / STPC(W)D zone, plus the Tier 1 TPS band driving the take-home above.

Inner London £40,317
Outer London £37,868
London Fringe £34,397
Rest of England £32,916
TPS pension tier Tier 1

Step through the pay scale

Other points on this pay range, the alternate range, and the regional calculators for Wales and Scotland.