What is the take-home pay for a teacher on M2 in 2026/27?

On the Main Pay Range point M2, the Rest of England statutory salary is £34,822. After the Tier 1 Teachers' Pension contribution (£2,577), £3,935 PAYE income tax and £1,780 National Insurance, the net take-home is £26,530 per year — £2,210.83 per month.

How much does M2 pay in Inner London?

In Inner London, M2 carries a statutory salary of £42,232 — £2,577 per month take-home after Teachers' Pension, PAYE and NI, versus £2,211 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 M2 take-home.

Penny-accurate take-home for the STPCD Main Pay Range point M2 — 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.): £34,822
Net monthly: £2,211
Effective rate: 23.8%

Take-home by region · Main Pay Range M2

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	WALES
Gross salary	£42,232	£39,851	£36,372	£34,822	£35,080
TPS pension	£3,759	£3,547	£3,237	£2,577	£2,596
Income tax (PAYE)	£5,181	£4,747	£4,113	£3,935	£3,983
National Insurance	£2,373	£2,182	£1,904	£1,780	£1,801
Annual take-home	£30,920	£29,375	£27,118	£26,530	£26,700
Monthly take-home	£2,577	£2,448	£2,260	£2,211	£2,225

Reference · 2026/27 FROZEN

Statutory gross for M2 per STPCD / STPC(W)D zone, plus the Tier 1 TPS band driving the take-home above.

Inner London £42,232
Outer London £39,851
London Fringe £36,372
Rest of England £34,822
Wales (STPC(W)D) £35,080
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.