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Teacher Pay Point & Progression Calculator (2026/27)

Two tools in one. The first tells you which England scale point you would be on with uninterrupted annual progression. The second compares routes you define — staying on the main range, crossing to the upper pay range, or taking on a TLR — and reports the difference between them in take-home pay and in pension value.

Last updated 13 September 2026 · England STPCD 2026/27 pay points · National, Fringe, Outer and Inner London

Updated for 2026/27England STPCD scalesNo login required
Step 1 · Pay point lookup

Which point would I be on?

The point you would be on with uninterrupted annual progression on the England STPCD 2026/27 scales.

0 means you are in your first year of teaching. This is your 4th year.

Likely pay point with uninterrupted progression

M4

£40,941 · National (rest of England) · main pay range

M1 (ECT) · year 1£34,069
M2 · year 2£36,042
M3 · year 3£38,400
M4 · year 4£40,941
M5 · year 5£43,529
M6 · year 6+£46,940

What this is and is not. The STPCD does not make progression automatic: movement up the main pay range follows a successful annual appraisal, and your school's pay policy governs how that judgement is made. Academies and free schools are not bound by the STPCD at all and set their own pay scales, which may use different point values or a different structure entirely. Treat this as "the point you would be on if nothing interrupted annual progression", not as an entitlement — check your own school's pay policy and your latest pay statement for what you are actually on.

Step 2 · Scenario comparisonYour assumptions — not a forecast

What would a different route be worth?

This section does something different from the lookup above, and it is worth being clear about the difference. It compares routes you define against each other and reports only the difference between them. It never produces a "your career earnings will be £X" figure, because that number would depend entirely on assumptions nobody can stand behind. A differential between two scenarios that share the same assumptions is far more robust than either scenario's absolute total.

Everything is in 2026/27 money: no future pay awards and no inflation are assumed, so what you are reading is a real-terms comparison at today's pay scales. Scenarios stay switched off until you set their timing — there is no default year for crossing the threshold or picking up a TLR, because there is no honest one.

Scenario A · Baseline

Main pay range progression only, starting from M4 and stopping at M6. No threshold application, no TLR.

Scenario B · Cross to the upper pay range

Upper pay range progression is a performance judgement made under your school's pay policy. There is no national interval, so this is your assumption to set.

Scenario C · Take on a TLR

£

TLR2 range: £3,651–£8,913. Where in the range a school sets an award is negotiable, so use the figure you have actually been offered where you have one.

Difference against Scenario A over 10 years

Set a year for Scenario B, Scenario C, or both, and the comparison appears here. Nothing is pre-filled on purpose: the year you cross the threshold or take on a responsibility is the single biggest driver of the answer, and it is yours to choose rather than ours to guess.

Read the differences, not the totals. This tool deliberately does not display a cumulative career earnings figure for any scenario. An absolute total would inherit every assumption in the model — pay awards, progression timing, working the full period, staying in England, staying full-time — and would be wrong in ways that compound. The difference between two scenarios that share those assumptions cancels most of that error out, which is why it is the only output here.

How the pension figure is worked out. The Teachers' Pension Scheme career average arrangement adds 1/57th of each year's pensionable pay to your accrued annual pension. The extra pension shown is the difference in that accrual between the two scenarios, in today's money, with no in-service revaluation (CPI + 1.6% a year), no indexation in payment and no actuarial reduction for taking benefits early — all of which would apply to both scenarios and to the difference between them. The "over a 20-year retirement" figure is a plain multiplication for scale, not an actuarial valuation of the benefit.

England STPCD 2026/27 pay points, England income tax bands and England & Wales TPS contribution tiers, full-time, with no student loan repayment and no other income. Wales, Scotland and Northern Ireland have their own pay documents and, in Scotland and Northern Ireland, their own pension schemes. Figures use published income tax, National Insurance, student loan and Teachers' Pension Scheme rates for 2026/27, last checked 13 September 2026. Thresholds are set by HM Treasury, HMRC, the Student Loans Company and Teachers' Pensions and can change — always check gov.uk and teacherspensions.co.uk for the current figures before making a financial decision. This tool gives an estimate for guidance only and is not financial, tax or pensions advice.

Read this before you read Step 2

The scenario comparison is not a prediction and does not try to be one. It compares routes you choose, using timings you set, and reports only the difference between them — never an absolute "your career earnings will be £X" figure. There is no default year for crossing the threshold or taking on a TLR, because there is no national data on typical timings and a default would quietly convert a guess into an answer. If you want the comparison, you have to tell it when things happen.

Step 1: which pay point would I be on?

The England main pay range has six points, M1 to M6, and the structure is intended to be walked one point a year: a teacher starting as an early career teacher on M1 reaches M6 in their sixth year. That gives a simple lookup — completed years of service to scale point — which is what the first half of this tool does, for each of the four English pay regions.

The honest framing matters, though, so it is worth stating twice. Progression up the main pay range is not automatic. The STPCD ties it to a successful annual appraisal against your school's pay policy, and a school can decline progression where the appraisal outcome does not support it. In practice most teachers meeting their objectives progress each year, which is why the lookup is a genuinely useful reference point — but it tells you the point you would be on if nothing interrupted annual progression, not the point you are entitled to.

The second caveat is bigger in scope than most teachers realise: academies and free schools are not bound by the STPCD at all. A multi-academy trust can set its own pay scale with different point values, a different number of points, or no scale structure at all. Many trusts choose to mirror the national scales, and some publish that commitment in their pay policy, but it is a choice rather than a legal requirement. If you work in an academy, treat the figures here as the national benchmark you are comparing your trust's scale against — which is a useful thing to know at appointment or appraisal — rather than as your own pay scale.

The England main and upper pay ranges for 2026/27

These are the confirmed STPCD figures, effective from 1 September 2026, following the government's acceptance of the STRB's recommendations in full on 1 July 2026 (a 3.5% uplift across all ranges).

Point National Fringe Outer London Inner London
M1 (ECT) £34,069 £35,602 £39,196 £41,729
M2 £36,042 £37,647 £41,246 £43,713
M3 £38,400 £39,979 £43,403 £45,787
M4 £40,941 £42,513 £45,673 £47,961
M5 £43,529 £45,070 £48,438 £50,666
M6 £46,940 £48,479 £52,241 £54,131
U1 £49,134 £50,625 £54,047 £59,650
U2 £50,956 £52,442 £56,047 £62,581
U3 £52,835 £54,328 £58,120 £64,684

Why your actual point and your years of service often disagree

A mismatch between the lookup and your pay statement is common and usually has a mundane explanation. The most frequent causes, roughly in order of how often they come up:

  • You work in an academy with its own pay scale, as above — the single most common reason the national figures do not match a payslip.
  • You work part-time. Your pay is the full-time point value multiplied by your full-time equivalent fraction, but the point itself is the same. Progression is not slowed by working part-time.
  • You were appointed above M1. Schools have discretion to recognise relevant prior experience — including overseas teaching, relevant non-teaching experience, or previous service — when setting a starting point, and are not obliged to start every new teacher at the bottom.
  • A period of your service did not count. Supply work, a career break, or a year in a non-teaching role can leave a gap between "years since I qualified" and "years of service that counted toward progression".
  • You moved schools. A new school sets your pay on appointment. It will normally match your existing point and many do so as a matter of policy, but there is no automatic portability of a scale point between employers — it is a matter for negotiation at the point of appointment.
  • You are past M6. There is no seventh main range point. Once at the top of the main range, further movement requires a successful upper pay range application, which is why the lookup stops there.

Step 2: what a different route is actually worth

The second half of the tool answers a question teachers ask constantly and that is almost never answered with real numbers: is it worth applying for the upper pay range, or taking on a TLR, and by how much? The instinct is to compare gross figures — "U1 is about £2,200 more than M6" — which overstates the immediate benefit, and to ignore the pension entirely, which understates the long-run one.

Why the output is a difference and never a total

There is a category of career earnings calculator that will happily tell you that you will earn £1.8 million over your career. Those numbers are close to meaningless. To produce one you have to assume pay awards for thirty years, continuous full-time service, no career break, no change of sector or nation, and a specific progression timeline — and each of those assumptions compounds into the headline. Change the assumed award from 2% to 3% and the total moves by a six-figure sum.

A differential behaves far better. If both scenarios assume the same pay awards and the same service, the award assumption largely cancels between them, and what survives is the thing you actually wanted to know: the gap between two routes. That is why this tool reports only the gap, in 2026/27 money with no future awards assumed at all, and why it will not show you a career total even though it computes the underlying year-by-year figures to do so.

What is held constant, and why that is the point

Both scenarios run on the same 2026/27 pay scales with no future awards, no inflation, full-time service throughout, England income tax bands and England & Wales TPS contribution tiers. Those assumptions are not realistic as a forecast of your salary — they are not meant to be. They are held identical across scenarios so that what is left is the effect of the one thing you changed.

The pension value of a TLR — the half of the decision nobody does

This is the genuinely underserved part of the question, and it is the reason the tool reports two numbers for each scenario rather than one. A TLR is fully pensionable. The Teachers' Pension Scheme career average arrangement adds 1/57th of each year's pensionable pay to the annual pension you will eventually be paid for life, and a TLR is part of pensionable pay. Every year you hold one, you permanently add roughly 1.75% of its value to your retirement income.

Take a concrete example the calculator will reproduce: a teacher starting on M1 in the rest of England, compared over ten years, who takes on a TLR2 at its statutory minimum of £3,651 from year four and holds it for the remaining seven years. Against the identical baseline of main range progression alone, that scenario is worth about £14,654 more in cumulative take-home pay over the decade — and it also builds about £448 a year of additional career average pension, payable for life from retirement. On a plain twenty-year retirement that second figure is worth approximately £9,000 in today's money, before any revaluation or indexation is applied to it.

£448 / year

Extra pension for life built by holding a minimum TLR2 for seven years — on top of the take-home difference

The point is not that the pension value makes every TLR worth taking. Workload, the reviewability of the role, and whether it is work you want to be doing are all real considerations, and the TLR calculator exists to show you how little of the gross figure reaches your bank account each month — typically 55–68%. The point is that the two effects run in opposite directions, and most people only ever see the first one. A TLR is worth less than the headline in immediate cash and more than the headline over a lifetime, and you should be weighing both halves.

The upper pay range comparison

Scenario B works the same way for a threshold application. Crossing from M6 to U1 in the rest of England is a gross step of about £2,194, and whether you then move up through U2 and U3 — and how quickly — depends entirely on your school's pay policy, because the STPCD sets no national interval for upper pay range progression. That is why the tool asks you for the interval instead of assuming one, and why its default is "stay on U1, no further progression assumed": the most conservative assumption available, rather than the most flattering.

One structural difference between the two routes is worth keeping in mind when reading the comparison. An upper pay range point is a judgement about you as a teacher and is not tied to a particular duty, so it does not disappear if your responsibilities change. A TLR is attached to a specific post: it is reviewable, it can be withdrawn if the role ends, and it generally does not transfer with you to a new school. The calculator models both as continuing for the rest of the comparison period, which is the more generous treatment for the TLR scenario — if there is a realistic chance the responsibility ends after three years, model it over three years and see what the difference looks like then.

What to do with the comparison

The most useful application is a negotiation or a decision you are already facing, not idle curiosity. Three concrete uses:

Deciding whether to apply for the upper pay range this year or next. Set the crossing year to this year in one run and to two years' time in another. The difference between those two differentials is what a delay actually costs you — and because the effect persists for every subsequent year, it is usually larger than people expect.

Weighing a TLR offer. Put the specific figure you have been offered into Scenario C rather than the band minimum. TLR bands are wide — TLR2 runs from £3,651 to £8,913, and where in that range a school sets an award is genuinely negotiable — so the band label alone tells you very little.

Sanity-checking a move. If you are considering a role in a different region, the lookup will show you the same point's value in Fringe, Outer London and Inner London, which is often a larger difference than any progression step. Weigh it against the cost of living where the job is, obviously, but know the number.

Rates and accuracy

Figures use published income tax, National Insurance, student loan and Teachers' Pension Scheme rates for 2026/27, last checked 13 September 2026. Thresholds are set by HM Treasury, HMRC, the Student Loans Company and Teachers' Pensions and can change — always check gov.uk and teacherspensions.co.uk for the current figures before making a financial decision. This tool gives an estimate for guidance only and is not financial, tax or pensions advice.

This is not regulated financial or career advice

This calculator uses published England STPCD pay points and the site's own tax and pension engine. It is general information, not regulated tax, pensions or financial advice, and it cannot account for your circumstances, your school's pay policy or your contract. Progression, threshold applications and TLR awards are all decisions made by your employer under its own pay policy. Check your school's pay policy and your latest pay statement, and speak to your union representative about any pay decision you want to challenge.

Frequently asked questions

Is progression up the main pay range automatic? +

No, and this is the most important caveat on the lookup above. The STPCD requires that pay progression is linked to performance: movement up the main pay range follows a successful annual appraisal against your school's pay policy, and a school can decide not to award progression where the appraisal outcome does not support it. In practice, the overwhelming majority of teachers meeting their objectives do progress each year, which is why "the point you would be on with uninterrupted progression" is a useful starting figure — but it is a starting figure to check against your actual pay statement, not an entitlement you can assume.

Why does the calculator's answer not match my payslip? +

There are several legitimate reasons, and none of them mean the scale figures are wrong. The most common is that you work in an academy or free school: academy trusts are not bound by the STPCD and set their own pay policies, which may use different point values, a different number of points, or a spot-salary structure with no scale at all. Other common reasons are part-time work, where your pay is the point value multiplied by your full-time equivalent fraction; starting on a point above M1 because a school recognised prior experience on appointment; a career break, maternity leave beyond the relevant qualifying arrangements, or a period of supply work that did not count toward progression; or being in Wales, Scotland or Northern Ireland, which have their own pay documents entirely.

How do I move from the main pay range to the upper pay range? +

By making a formal application under your school's pay policy — usually called a threshold application. It is a separate process from annual progression, not an extra step at the top of the main range, and you have to apply for it: nobody moves you automatically after M6. The STPCD test is that you are highly competent in all elements of the relevant standards and that your achievements and contribution to the school are substantial and sustained, and schools set out in their own pay policy what evidence they expect and when applications are considered. Because it is an application with an outcome rather than a scheduled step, the calculator will not assume a year for it — you set the year yourself in Scenario B.

How long does it take to move from U1 to U3? +

There is no national answer, which is exactly why the tool makes you choose. The STPCD does not set an interval for upper pay range progression, and schools' pay policies vary: some review upper pay range progression on the same annual appraisal cycle as the main range, many apply a longer interval, and progression at each stage remains a performance judgement rather than a time-served step. Anyone quoting you a standard number of years is describing their own school's policy, not a national rule. Read your school's pay policy for the interval and criteria that actually apply to you.

Why does the scenario comparison refuse to show my total career earnings? +

Because that figure would be far less reliable than it looks, and it would look extremely authoritative. A career earnings total has to assume future pay awards for decades, continuous full-time service, no career break, no move to another nation or sector, and a specific progression timeline — and every one of those assumptions compounds into the total. The difference between two scenarios that share all of those assumptions cancels most of that error out: if both scenarios assume the same awards and the same service, the award assumption largely drops out of the gap between them. So the tool reports only the gap. It is the part of the calculation that is actually defensible.

Is a TLR really worth more than the monthly figure suggests? +

In total value, yes, because a TLR is fully pensionable and that half of it is almost never discussed. Your Teachers' Pension builds at 1/57th of each year's pensionable pay, and a TLR is part of pensionable pay, so every year you hold one you permanently add roughly 1.75% of its value to the annual pension you will eventually be paid for life. Holding a minimum TLR2 of £3,651 for seven years adds about £448 a year of pension, on top of the take-home difference. In immediate cash terms the opposite point applies and is equally underappreciated: because tax, National Insurance and the pension contribution all come off the gross figure, you typically keep only 55–68% of a TLR as extra take-home pay. The right way to read the two together is that a TLR is worth less now and more later than the headline figure implies.

Does this calculator work for Wales, Scotland or Northern Ireland? +

No. It uses the England STPCD pay points for 2026/27 and England income tax bands. Wales has had its own pay review body and its own statutory pay document since teachers' pay was devolved to the Welsh Ministers in 2018, with a differently shaped main range and different cash values at every point. Scotland's scales are set through the SNCT and Scottish income tax is devolved with six bands of its own. Northern Ireland has its own pay arrangements and its own teachers' pension scheme with different contribution rates. Each is covered separately on this site.

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