Supply Teacher Day Rate to Salary Calculator 2026/27
A supply day rate isn't a salary — to judge a mortgage, a tax band or a student-loan hit you need the annual equivalent. This tool turns your agency day rate into an annualised gross and take-home for 2026/27, handling rolled-up holiday (12.07%), term-time weeks and the fact that most agency supply staff aren't in the Teachers' Pension. It shows the permanent-salary equivalent you can quote to a lender.
6 min read·Updated Thu Aug 20 2026 00:00:00 GMT+0000 (Coordinated Universal Time)·🇬🇧 UK
Calculator
Agency Work
£
Add 12.07%
Pension & Deductions
In the Teachers' Pension
Student Loan
Scottish taxpayer
Annual equivalent & take-home
Where your money goes
Your result
Enter your day rate and press Calculate.
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Key takeaways
Key takeaways · 2026/27
A day rate is not salary ÷ 260: supply work is term-time only and you have no paid holiday unless it's rolled up at the statutory 12.07%.
Multiply day rate × days/week × term weeks (default 39) for the work pay, then add rolled-up holiday for the annual equivalent.
Most agency supply teachers are not in the Teachers' Pension — leave the TPS toggle off unless your agency actually enrols you.
Quote the permanent-salary equivalent, not the raw day rate, when a mortgage lender or credit application asks your income.
How it works
Why a day rate needs converting
Agency supply pay comes as a daily rate, but almost every financial decision — a mortgage, a credit application, judging whether you'll cross a tax threshold or trigger student-loan repayments — needs an annual figure. And you can't just multiply by 260 working days: supply work is term-time only, and unless holiday is rolled up you get no paid leave. This tool does the conversion properly.
The conversion, step by step
Work pay = day rate × days per week × term-time weeks (about 39).
Rolled-up holiday = 12.07% of work pay, if your agency pays holiday as you go.
Annual equivalent = work pay + rolled-up holiday.
Take-home = annual equivalent minus PAYE, National Insurance, any pension and student loan.
Agency vs direct pension: most agency supply teachers are not in the Teachers' Pension, so there's usually no pension deduction — which raises take-home but means you're not building TPS service. If you're employed directly and in the TPS, switch the toggle on to see the 2026/27 tier applied.
Worked example — £150/day, 5 days, 39 weeks
£150 × 5 × 39 = £29,250 work pay. Rolled-up holiday at 12.07% adds £3,530, for an annual equivalent of about £32,780. On 2026/27 PAYE with no pension and no student loan, that's roughly £26,900 take-home — about £2,240 a month. That £32,780 is the figure to quote a lender, not the £150 day rate.
Sources: statutory holiday entitlement (5.6 weeks, 12.07% rolled-up) and the Teachers' Pension Scheme 2026/27 contribution tiers. Estimates only — verify with your agency and lender before making financial decisions.
Frequently Asked Questions
How do I convert a supply day rate to a salary?
Multiply your day rate by the number of days you work each week and by the number of weeks you work in the year (about 39 term-time weeks). If your agency pays rolled-up holiday, add the statutory 12.07%. That total is your annual-equivalent gross. For example, £150/day × 5 days × 39 weeks = £29,250 work pay; add 12.07% rolled-up holiday (£3,530) and the annual equivalent is about £32,780. The calculator then runs PAYE, National Insurance and any student loan on that figure to give take-home.
What is rolled-up holiday pay?
Workers are entitled to 5.6 weeks of paid holiday a year. Agencies often can't give supply teachers actual paid time off, so instead they 'roll up' the holiday entitlement into your pay as an uplift. The statutory rate is 12.07% — that's 5.6 weeks divided by the 46.4 working weeks in a year. If your day rate already includes holiday, turn the toggle off; if holiday is paid separately on top, turn it on.
Do supply teachers pay into the Teachers' Pension?
Usually not. If you're employed directly by a school or local authority you can be in the Teachers' Pension Scheme (TPS), but most agency supply teachers are not — agencies are not TPS employers. Leave the TPS toggle off unless you know you're enrolled. If you are in the TPS, turn it on and the calculator applies the correct 2026/27 tier (7.4%–11.7%) to your actual annualised pay as a net-pay deduction.
Why does the annual equivalent matter for a mortgage?
Lenders assess affordability on your annual income, not a day rate. Quoting '£150 a day' means nothing to an underwriter — they need the annualised figure. Using the permanent-salary equivalent from this calculator (and being able to show the working) helps you set realistic expectations before you apply. Bear in mind lenders may average your income over two or three years and treat variable supply income cautiously, so the equivalent is a starting point, not a guarantee.
How many weeks should I use?
The school year is roughly 39 teaching weeks, so 39 is the default. If you also pick up work in the holidays, or only work part of the year, adjust the term-time weeks to match what you actually expect. The annual equivalent scales directly with this number, so it's the single biggest lever on the result.
Does this handle part-time or half-day work?
Yes — set days per week to a fraction (e.g. 2.5) for part-time supply. Half-days are best handled by entering your effective daily rate and counting each half-day as 0.5 of a day in the days-per-week figure. The annual equivalent and take-home scale accordingly.
Disclaimer: Figures are estimates based on 2026/27 rates and rules and may change. Verify with HMRC or a qualified adviser before making financial decisions.