M3 take-home pay
The figures below are the published 2026/27 main and upper pay range points for England excluding London. Actual classroom pay may also include TLR or leadership pay; those additions are not included in the basic-scale figures below.
If your gross pay is £38,400 a year, after income tax, National Insurance and this pension contribution your take-home is about £27,846 a year — that’s £2,321 a month, £536 a week.
| Year | Month | Week | |
|---|---|---|---|
| Gross pay | £38,400 | £3,200 | £738 |
| Income tax | −£5,166 | −£431 | −£99 |
| National Insurance | −£2,066 | −£172 | −£40 |
| Pension contribution | −£3,322 | −£277 | −£64 |
| Take-home pay | £27,846 | £2,321 | £536 |
Effective deduction rate: 27% of gross, leaving 73p in every pound. Marginal rate: 37%, so an extra £100 pay rise or overtime puts about £63 in your pocket.
Figures based on the NEU teachers’ pay scales 2026/27 England & Wales, 2026/27. Actual take-home depends on your exact tax code, Scottish or Welsh rates, student loan plan, and whether you actually pay into this pension scheme. Source: https://neu.org.uk/advice/your-rights-work/pay-advice/pay-scales
Your actual take-home may differ because of your tax code, student loan, bonus, overtime or whether you opt out of this pension. Put your real numbers into our free salary calculator — nothing is recorded.
Teacher (England & Wales) pay points
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More take-home pages
Take-home pay by job · Salary calculator · Tax code checker · Savings calculator