Unqualified teacher salary after tax 2026/27

Unqualified teacher take-home pay outside London, 2026/27

Full-time pay in England outside the London area from 1 September 2026. Take-home is after the Teachers' Pension, Income Tax and National Insurance, with no student loan.

Unqualified teacher pay in London and the fringe, 2026/27

Teachers in London are paid on separate, higher scales rather than getting a percentage on top. The fringe covers parts of Berkshire, Buckinghamshire, Essex, Hertfordshire, Kent and West Sussex, and all of Surrey.

Unqualified teacher take-home pay with a student loan

Plan 2 takes 9% of pay over £29,385 a year and Plan 5 takes 9% over £25,000. Both are worked out on gross pay, so the Teachers' Pension does not reduce them.

Your Teachers' Pension tier

At the minimum of unqualified teacher pay outside London you pay 7.4% (£1,756 a year), and at the top 8.9% (£3,248). The rate applies to all of your pay, not just the part above a tier line. Tiers are set from 1 April 2026 and use your actual salary rate, not the full-time equivalent, so part-time teachers are placed on what they earn.

Why the pension saves tax but not NI

Teachers' Pension contributions come off your gross pay before Income Tax, but HMRC charges National Insurance on pay before any pension contribution. At the unqualified teacher minimum the £1,756 contribution cuts your Income Tax by £351, so it really costs you £1,405 a year. NI is still charged on the full £23,732.

When you gain QTS

Once you gain qualified teacher status your school must move you onto the main pay range, which starts at £34,069 outside London. If you stay at the same school, your new salary must be at least what you were paid as an unqualified teacher, including any allowance.

The bottom point rose by 5%

Most figures went up 3.5% in September 2026, but the minimum of the unqualified range outside London rose 5%, from £22,601 to £23,732. The STRB recommended this to keep it clear of the National Living Wage.

The pay year starts in September

Teachers' pay is reviewed each year from 1 September, so the 3.5% award applies from 1 September 2026 and is backdated if your school pays it later. The 2026 pay document is due in mid-October. Before that, the unqualified teacher minimum was £22,601 outside London, so if you stay on it all year you earn about £23,261 across the 2026/27 tax year: five months at the old rate and seven at the new one.

Scotland, Wales and Northern Ireland

These are England rates. Since 2018 the Welsh Government has set teachers' pay in Wales, and Scotland and Northern Ireland have their own teacher pay arrangements, so the scales there are different. Teachers in Scotland also pay Scottish Income Tax.

Guides and definitions

• High Income Child Benefit Charge: how it is worked out and cut (Guide)
• How to read your payslip: every line explained, with an example (Guide)
• National Insurance rates 2026/27: what you pay and how it works (Guide)
• Emergency tax code (An emergency tax code, marked W1, M1 or X, taxes each payday on its own, as if you were paid that amount every period of the year.)
• Marginal tax rate (Your marginal tax rate is the share of your next pound or dollar of income that goes in tax and deductions.)
• P60 (A P60 is the yearly summary of your pay and tax from one employer, due by 31 May if you work there on 5 April.)
• Personal Allowance (The Personal Allowance is the income you can earn each UK tax year before Income Tax starts: £12,570 for 2026/27.)
• Tax code (A UK tax code tells your employer or pension provider how much tax-free pay to give you; 1257L, meaning £12,570, is the most common.)

Add your own hours, tax code and student loan

Other teacher pay points

• M1 teacher pay (£2,169 a month outside London)
• M2 teacher pay (£2,278 a month outside London)

Every teacher pay point compared · £24,000 after tax · Add your own hours, tax code and student loan

Common questions