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 £40,941 a year, after income tax, National Insurance and this pension contribution your take-home is about £30,164 a year — that’s £2,514 a month, £580 a week.
| Year | Month | Week | |
|---|---|---|---|
| Gross pay | £40,941 | £3,412 | £787 |
| Income tax | −£4,966 | −£414 | −£95 |
| National Insurance | −£2,270 | −£189 | −£44 |
| Pension contribution | −£3,541 | −£295 | −£68 |
| Take-home pay | £30,164 | £2,514 | £580 |
Effective deduction rate: 26% of gross, leaving 74p in every pound. Marginal rate: 35%, so an extra £100 pay rise or overtime puts about £65 in your pocket.
Your Teachers’ Pension Scheme contribution is taken off your pay before income tax is worked out — what HMRC calls a net pay arrangement. Relief is automatic at your top rate and there is nothing to claim back. So the £3,541 contribution above cuts your tax bill by £708, and its real cost to your take-home is £2,833 a year. Calculators that tax your whole salary and then subtract the pension understate your take-home by that £708.
Figures based on the NEU teachers’ pay scales 2026/27 England, 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) pay points
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