Money Worked Out

Outer London teacher take-home 2026/27

Take-home pay a month

£2,412.65

£28,951.77 a year from a salary of £39,196.00

Your details

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Add TLR, SEN/ALN allowance or supply days
Allowances and supply

These allowances apply to qualified classroom teachers. Teaching and learning responsibility (TLR), special educational needs (SEN) in England and additional learning needs (ALN) in Wales. Enter the full annual value before any share is applied. You can hold one TLR1 or TLR2 plus TLR3 and one SEN or ALN allowance.

A blank responsibility share uses your hours. TLR3 is paid in full.

Leave blank for annual pay. Supply uses point salary only: remove allowances and set full time to 100%. Count part days here.

Same point salary before allowances and deductions, with no progression. England and Wales only.

Where your salary goes
A year
Point salary£39,196.00
Teachers' Pension (8.9%)£3,488.44
Income tax£4,625.71
National Insurance£2,130.08
Take-home pay£28,951.77

Choose Compare with last year to see the change in point salary.

How this was worked out
  1. Point salary: £39,196.00 × 100% = £39,196.00. Pay scale.
  2. Pensionable pay: point salary plus the allowances above = £39,196.00. TPS Regulations 2014, regulation 34(2)(a). The annual salary rate sets the tier. TPS contribution guidance (read from an archive copy). Overtime and back pay are not included when setting the tier.
  3. Pension: 8.9% of £39,196.00 = £3,488.44. Each annual component is rounded to pennies, half up, before adding it to gross pay. The annual tax estimate uses rest of UK rates and the standard tax code. Actual payslips can differ.
  4. Salary: £39,196
  5. Pension (net pay): £39,196 × 8.9% = £3,488.44, taken off before tax
  6. Personal allowance: £12,570. Payroll applies it as tax code 1257L, which gives £12,579 of tax-free pay.
  7. Taxable income: £35,707.56 − £12,579 = £23,128.56
  8. Basic rate: £23,128.56 × 20% = £4,625.71
  9. Income tax: £4,625.71
  10. National Insurance: (£39,196 − £12,570) × 8% = £2,130.08
  11. Take-home pay: £39,196 − £4,625.71 − £2,130.08 − £3,488.44 = £28,951.77

Supply covers teachers employed directly by a school or local authority. Agency supply is outside this calculator. Scotland uses different SNCT structures: TLR, SEN and supply are not modelled. The pay tables show point salary only. The annual tax estimate assumes the standard tax code and no other income.

Outer London schools pay on a separate scale that sits between the fringe and inner London rates. The table uses the outer London scale from 1 September 2026 in the final School Teachers' Pay and Conditions Document 2026. On M1 an outer London teacher earns £39,196 and takes home £2,412.65 a month.

Outer London teacher take-home 2026/27
PointSalaryPensionTake-home a yearTake-home a month
Main pay range
M1£39,196£3,488.44£28,951.77£2,412.65
M2£41,246£3,670.89£30,281.81£2,523.48
M3£43,403£3,862.87£31,681.26£2,640.11
M4£45,673£4,064.90£33,154.04£2,762.84
M5£48,438£4,310.98£34,947.98£2,912.33
M6£52,241£5,171.86£37,115.69£3,092.97
Upper pay range
U1£54,047£5,350.65£38,381.34£3,198.45
U2£56,047£5,548.65£39,739.07£3,311.59
U3£58,120£6,102.60£40,609.04£3,384.09
Unqualified range
UQ1£27,727£2,051.80£21,843.40£1,820.28
UQ6£40,831£3,633.96£30,012.55£2,501.05
Leadership range
L_max£153,042£18,365.04£82,797.89£6,899.82
L_min£57,837£6,072.89£40,462.73£3,371.89

Pay scale: assets.publishing.service.gov.uk/media/6ad21656dfa45fcb6753cb0b/School_teachers_pay_and_conditions_document_and_guidance_2026.pdf, effective 1 September 2026

Which schools use the outer London scale

The pay document defines outer London as fourteen boroughs: Barnet, Bexley, Bromley, Croydon, Enfield, Harrow, Havering, Hillingdon, Hounslow, Kingston upon Thames, Redbridge, Richmond upon Thames, Sutton and Waltham Forest. Several boroughs counted as outer London for other purposes, such as Barking and Dagenham, Ealing and Newham, are in the inner London area for pay purposes.

Outer London main pay range after deductions

The outer London main range starts at £39,196 and ends at £52,241. At M1, the pension contribution rate is 8.9%. The yearly pension deduction at M1 is £3,488.44 and take-home is £28,951.77.

At M5, the pension contribution rate is 8.9%. At M6, the pension contribution rate is 9.9%. The tier rate applies to the whole pensionable salary, giving a yearly deduction of £5,171.86 at M6. At M6, all taxed pay is in the basic rate band. Take-home at M6 is £37,115.69.

Upper range and leadership in outer London

The outer London upper pay range runs from £54,047 at U1 to £58,120 at U3. At U1, the pension contribution rate is 9.9%. At U2, the pension contribution rate is 9.9%. At U3, the pension contribution rate is 10.5%. U2 is the first classroom point with pay taxed at the higher rate. Take-home at U3 is £40,609.04, or £3,384.09 a month.

The leadership range starts at £57,837 and rises to £153,042. At the bottom of the leadership range, some pay is taxed at the higher rate. At the top, take-home is £82,797.89. The unqualified range runs from £27,727 to £40,831. At the unqualified minimum, the pension contribution rate is 7.4%. The teacher pay calculator covers part-time contracts, and the methodology page explains the calculation.

Questions

What does an outer London teacher on M1 take home?

An outer London teacher on M1 earns £39,196 on the scale from 1 September 2026 and keeps £2,412.65 a month after tax, National Insurance and pension.

Is Ealing in outer London for teacher pay?

No. The pay document places Ealing, along with Barking and Dagenham, Brent, Greenwich, Haringey, Merton and Newham, in the inner London area, so schools there use the inner London scale.

When do outer London teachers start paying higher rate tax?

U2 is the first classroom point with pay taxed at the higher rate. The estimate uses full-time point salary with the Teachers' Pension taken before income tax, no allowances and no student loans.