Question 1

What is the take-home pay for an M4 teacher in 2026-27?

Accepted Answer

An M4 teacher in England (outside London) earns £37,099 gross and takes home £27,154/year (£2,263/month) after income tax, National Insurance and 7.4% TPS pension contributions.

Question 2

How does M4 compare to M3 take-home?

Accepted Answer

M4 gross is £37,099 vs M3 £35,196 — a £1,903 increase. After tax, NI and TPS, take-home rises from £25,880 to £27,154 — an improvement of £1,274/year (£106/month more).

Question 3

How much does an M4 teacher earn in Inner London?

Accepted Answer

The Inner London allowance adds £6,479, giving a gross of £43,578. After tax, NI and TPS, the Inner London M4 take-home is approximately £31,819/year (£2,652/month) — about £4,665 more than outside London.

Question 4

What is the TPS contribution at M4?

Accepted Answer

At M4 (£37,099 gross), the 7.4% TPS contribution is approximately £2,745/year (£229/month). The employer also contributes approximately 23.7%, making TPS one of the most generous employer pension contributions in any sector.

Question 5

How far is M4 from the Upper Pay Scale?

Accepted Answer

M4 teachers need to progress to M6 (£41,333) before applying for UPS. UPS1 take-home is £32,025/year. The full journey from M4 to UPS3 gross (£46,525) represents a £9,426 increase in annual gross salary.

Scale	Gross/yr	Take-Home/yr	Take-Home/mo
M1	£31,650	£23,486	£1,957
M2	£33,483	£24,724	£2,060
M3	£35,196	£25,880	£2,157
M4	£37,099	£27,154	£2,263
M5	£39,178	£28,549	£2,379
M6	£41,333	£30,002	£2,500
UPS1	£44,329	£32,025	£2,669
UPS2	£45,415	£32,761	£2,730
UPS3	£46,525	£33,512	£2,793

M4 Teacher Salary Take-Home 2026-27

All Teacher Pay Scales 2026-27 — England Outside London

London Pay Supplements — M4 2026-27

Frequently Asked Questions

Other Teacher Pay Scales