How this calculator suite is put together
Rather than five independent tools each reinventing the same tax and pension logic, every calculator here draws from the same underlying engine: one shared set of income tax rules for each UK nation, one shared Teachers' Pension Scheme contribution model, and one shared record of which tax year the current figures apply to. The practical benefit is consistency — if you run a salary through the Take-Home Pay Calculator and then check the same salary-plus-TLR combination through the TLR Calculator, the underlying tax and pension maths lines up exactly, because it's the same maths under the hood in both places.
It also means updates happen once, everywhere, rather than tool by tool. When a new tax year's rates are confirmed, or the Teachers' Pension Scheme's contribution bands are reviewed, the single shared source of truth is updated and every calculator that depends on it reflects the change immediately, rather than some pages running on stale figures while others are current.
Free versus Pro: what actually changes
The distinction between free and Pro isn't about hiding basic functionality behind a paywall — every calculator's core, headline result is available for free, with no account and no limit on how many times you use it. What Pro adds is depth for the specific situations where a single headline number genuinely isn't enough: multi-year projections, carry-forward calculations that span several tax years at once, and side-by-side scenario comparisons that would be unwieldy to build into a free tool aimed at a quick, single answer.
| Free | Pro | |
|---|---|---|
| Core headline result | Included | Included |
| Account required | No | Only to save results across visits |
| Pricing model | Always free | One-off unlock per tool, not a subscription |
| Multi-year / carry-forward scenarios | Not included | Included |
| Saved / exportable breakdowns | Print/download the on-screen result | Saved to your account for later |
Two of the five calculators — the Annual Allowance Calculator and the McCloud Remedy Calculator — currently have a Pro tier, because those are genuinely the two areas where a single simple number often isn't the whole picture: Annual Allowance calculations can depend on unused allowance carried forward from up to three previous tax years, and McCloud remedy outcomes depend on comparing benefits across two different sets of pension scheme rules over a multi-year remedy period. The other three calculators are free in full, because the underlying question they answer doesn't usually need that extra layer of complexity.
Which calculator should you start with?
If you only use one calculator on this site, the Take-Home Pay Calculator is the right starting point for almost everyone — it gives you the full picture of your net pay after every standard deduction, TLR and allowances included, and is the number most people actually want when comparing a job offer, checking a pay rise, or working out a household budget. From there, which tool makes sense next depends on what specifically you're trying to work out.
- Considering or negotiating a TLR? Go straight to the TLR Calculator — it isolates exactly how much of that specific payment you'll keep, rather than requiring you to run two separate take-home pay calculations and subtract them by hand.
- Trying to understand your pension rather than your pay? The Teachers' Pension Calculator focuses specifically on your career average accrual and contribution tier, with more detail on how the pension side of your payslip works than the take-home pay tool is designed to show.
- On a high salary, receiving a large TLR, or holding significant additional pension savings elsewhere? Check the Annual Allowance Calculator — this is the group of teachers most likely to be at genuine risk of an unexpected tax charge, and it's worth checking even if you don't think you're close to the limit.
- Been a member of the Teachers' Pension Scheme since before April 2015? The McCloud Remedy Calculator is specifically relevant to you, since the remedy period and the choice between legacy and reformed scheme benefits only applies to members who were in service across that transition.
There's no need to work through every calculator in order — each one is designed to stand alone and answer one specific question well, so jump straight to whichever matches what you're actually trying to find out today.
A note on accuracy and what these tools can't do
Every calculator here is built to be as accurate as possible for the standard case — a teacher on a single salary, a standard tax code, and the usual set of deductions. They can't account for every individual circumstance: an unusual tax code, income from more than one employer, salary sacrifice schemes, or genuinely unusual pay arrangements can all cause a real payslip to differ from a calculator's estimate. Treat every result as a well-informed, closely accurate estimate rather than a guaranteed figure, and always check against your actual payslip or, for anything with real financial consequences, speak to your school's payroll team or a qualified financial adviser.
Frequently asked questions
How do you keep these calculators up to date? +
Every calculator on this site pulls its income tax, National Insurance, student loan and Teachers' Pension Scheme figures from a single set of rates data, rather than having each tool hardcode its own numbers. When HMRC, HM Treasury, the Student Loans Company or Teachers' Pensions publish updated thresholds or rates, we update that data once and every calculator that depends on it reflects the change immediately. Each calculator page shows the tax year the figures apply to and the date they were last checked (currently 2026/27, last verified 13 September 2026), so you can always see exactly how current a given result is.
Are the Pro tools actually worth paying for? +
That depends on your situation. The free version of every calculator gives you a genuinely useful, accurate headline result — for most teachers checking a straightforward question ("what will I take home", "what does this TLR actually add up to"), the free tool is all you need and always will be. The Pro tools go further into scenarios that matter to a smaller group of people with more complex situations: multi-year Annual Allowance carry-forward calculations, McCloud remedy comparisons across the underpin period, or detailed year-by-year projections. If your situation is genuinely complex — you're close to the Annual Allowance limit, you're affected by McCloud, or you're comparing several 'what if' scenarios — the Pro tools are built specifically for that. If you just need a quick, accurate number, the free tools do the job on their own.
Do I need to create an account to use these calculators? +
No account is needed for any free calculator — they all work instantly in your browser with no sign-up, and nothing you enter is sent anywhere or stored on our servers. A small number of Pro features (like saving a calculation to come back to later) do use an account, but you can use every calculator's core functionality without one. See our account page if you do want to save results across visits.
Which parts of the UK do these calculators cover? +
All five calculators cover England, Wales and Northern Ireland, which share the same income tax bands (set at UK level, sometimes called 'rUK' — rest of UK). Scotland is also covered separately throughout, since Scottish Income Tax uses a different five-band structure set by the Scottish Parliament. Teachers' Pension Scheme rules, National Insurance and student loan repayment rules are UK-wide and apply identically regardless of nation, so those parts of each calculation don't change based on where you select. Pay scale figures do differ by nation — see our dedicated pay guides for Scotland and Northern Ireland for the actual scale points used in each nation.
How accurate are these compared to my real payslip? +
Very close for the vast majority of straightforward cases, but a calculator can only work from the inputs you give it and the standard rules that apply to most teachers. Your actual payslip might differ slightly if you have a non-standard tax code (for example, because of a benefit-in-kind, unpaid tax from a previous job, or the Marriage Allowance), income from more than one PAYE employment, salary sacrifice arrangements such as a cycle-to-work scheme, or unusual pay timing (being paid termly rather than in 12 equal monthly instalments, for instance). For the overwhelming majority of teachers on a single salary with a standard tax code, the figures should match your payslip closely. If there's a meaningful gap you can't explain, it's always worth asking your school's payroll team for a full breakdown.
Why is this built specifically for teachers rather than using a general salary calculator? +
Generic salary calculators are built around a single flat-rate pension percentage and a simple base salary — neither assumption holds for teachers. The Teachers' Pension Scheme uses six different contribution tiers based on your total gross pay, TLR and other allowances are fully taxable and pensionable additions rather than separate bonuses, and pay scales themselves vary by nation and by pay range (Main, Upper, Leadership) in ways a generic tool has no concept of. Every calculator here is built from the ground up around how teacher pay actually works, which is the entire reason this site exists rather than us simply pointing you at an existing salary calculator.
Can I use these calculators if I'm part-time, on a fixed-term contract, or a supply teacher? +
Part-time teachers can use every calculator by entering their pro-rata annual salary (their full-time equivalent salary multiplied by their contracted fraction) rather than their FTE figure, since tax, National Insurance and pension tier are all worked out on actual pay, not FTE pay. Fixed-term contracts work the same way as permanent contracts for tax and pension purposes, so no adjustment is needed there. Supply teaching is a more specific case — pay, tax treatment and pension eligibility can vary depending on whether you're employed directly by a school, through a local authority pool, or through an agency, so it's worth reading our dedicated supply teacher pay guide alongside using the take-home pay calculator for a general estimate.
Will you be adding more calculators? +
Yes — this suite is built to grow as the areas of teacher pay and pensions that cause the most confusion become clear, rather than being a fixed, finished set. If there's a specific calculation you regularly find yourself doing by hand, or a scenario none of the current five tools quite covers, let us know via the contact page.
Related guides
Teacher Pay hub
Pay scales, pay rise tracking and nation-by-nation comparisons.
Teachers' Pension hub
How the scheme works, the Annual Allowance and the McCloud remedy explained.
Guides hub
TLR payments, supply teacher pay, redundancy pay and more explained in plain English.
Pricing
What's included free, and what the one-off Pro unlocks cover.