What is the take-home pay for a teacher on U3 in 2026/27?

On the Upper Pay Range point U3, the Rest of England statutory salary is £49,084. After the Tier 3 Teachers' Pension contribution (£4,859), £6,331 PAYE income tax and £2,921 National Insurance, the net take-home is £34,973 per year — £2,914.39 per month.

How much does U3 pay in Inner London?

In Inner London, U3 carries a statutory salary of £62,496 — £3,572 per month take-home after Teachers' Pension, PAYE and NI, versus £2,914 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 3 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 U3 take-home.

Penny-accurate take-home for the STPCD Upper Pay Range point U3 — the Tier 3 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.): £49,084
Net monthly: £2,914
Effective rate: 28.7%

Take-home by region · Upper Pay Range U3

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	£62,496	£56,154	£52,489	£49,084	£54,020
TPS pension	£6,562	£5,559	£5,196	£4,859	£5,348
Income tax (PAYE)	£9,806	£7,670	£6,945	£6,331	£7,220
National Insurance	£3,261	£3,134	£3,060	£2,921	£3,091
Annual take-home	£42,868	£39,791	£37,288	£34,973	£38,361
Monthly take-home	£3,572	£3,316	£3,107	£2,914	£3,197

Reference · 2026/27 FROZEN

Statutory gross for U3 per STPCD / STPC(W)D zone, plus the Tier 3 TPS band driving the take-home above.

Inner London £62,496
Outer London £56,154
London Fringe £52,489
Rest of England £49,084
Wales (STPC(W)D) £54,020
TPS pension tier Tier 3

Step through the pay scale

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