2026/27 pay calculator
Council and LGPS take-home calculator
Estimate take-home pay for council and school support staff in England and Wales with LGPS pension deductions.
Your details
Student loansNo student loan
Input guidance
- Annual gross salary (£)
- Before Income Tax, NI and employee pension deductions.
- LGPS section
- The 50/50 section changes pension benefits as well as contributions.
- Member of the pension scheme
- Models the cash deduction only. It does not value pension benefits or recommend opting out.
Your estimate
Average monthly take-home
£2,798.30
2026/27 estimate. Actual payslips can differ.
Pay breakdown
| Monthly average | Amount |
|---|---|
| Gross pay | £3,750.00 |
| Income Tax | £491.75 |
| National Insurance | £216.20 |
| Employee pension | £243.75 |
| Student loans | £0.00 |
| Take-home pay | £2,798.30 |
How this estimate works
Employee pension rate: 6.5%. Pension is deducted from the pensionable pay entered before Income Tax, but does not reduce NI. Annual pay is held constant throughout the tax year.
Includes your figures. Share only with people you choose.
More about this calculation
Use actual pay for your contracted hours
Enter your annual pensionable pay after any hours or term-time adjustment. Councils and schools use different grade structures, so this tool starts from your salary rather than assuming a national grade value.
Main section and 50/50 section
The LGPS contribution tier is based on actual pensionable pay for the employment. The 50/50 option halves the employee contribution rate, but it also changes pension build-up. This calculator compares the cash deduction, not the value of your benefits.
Check the rate your employer has assigned
Your employer sets your contribution rate and may review it when pay changes. This estimate uses the published April 2026 tiers. Scottish LGPS rules, multiple posts, additional pension contributions and arrears are excluded.
Worked example
With these settings, average monthly take-home is £2,798.30. This example stays fixed when you change the calculator.
- Annual gross salary (£)
- £45,000
- LGPS section
- Main section
- Member of the pension scheme
- Yes
- Undergraduate student loan
- None
- Postgraduate loan
- No
Annual gross pay of £45,000.00 minus Income Tax of £5,901.00, NI of £2,594.40, employee pension of £2,925.00 and student loans of £0.00 leaves £33,579.60 for the year.
Sources & assumptions
Checked 25 October 2026
Salary estimates assume a standard Personal Allowance, employee NI category A and even monthly pay. Individual tax codes, benefits and payroll adjustments can change your payslip.
Read the calculation assumptionsHow the salary calculation works