A £6,000 pay rise isn’t £6,000 in your pocket. See what a UPS move, a TLR, or going part-time actually adds to your take-home, before you decide.
Tax, National Insurance, a higher pension contribution and student loan all take a slice, and a rise can quietly push you into a higher pension tier or the 40% band.

This tool does the maths instantly so you can weigh the real gain against the extra workload.
You get both formats:

✓ An interactive calculator (enter your salary and the change; see the true take-home gain, the breakdown, and the % you actually keep)

✓ A printable Word guide covering the UPS jump, taking a TLR, and going part-time, with worksheets

✓ TLR mode shows the after-tax value per extra hour worked, so you can judge if it’s worth it

✓ Flags the hidden traps: the pension tier line and the £50,270 cliff edge

✓ Clear, low-stress format, readable for everyone including neurodivergent teachers

Uses 2026/27 income tax, NI, Teachers’ Pension tiers and student loan thresholds. A self-help guide, not regulated advice.
Figures update each April.

Check out our Teacher Maternity Planner Tool or our Pension Explainer Tool in our online shop.