Supply Teacher Umbrella Pay
Umbrella pay calculator for daily and long-term supply teachers
Supply teachers working through education staffing agencies are frequently paid via umbrella companies. Day rates range from around £100/day for unqualified cover supervisors to £180–£220/day for experienced specialist teachers. This calculator is pre-set for £150/day — a typical rate for a qualified secondary school teacher — over 39 term-time weeks. Adjust the weeks and rate to match your actual working pattern.
Supply Teacher Umbrella Pay Umbrella Pay Calculator
Umbrella Pay Calculator
Updated for 2026/27 tax year
Your Rates
Umbrella Details
This assumes a standard assignment rate (what the agency pays the umbrella). Employer NI at 15% and apprenticeship levy at 0.5% are deducted from this before your gross pay is calculated.
Your Results
Annual Take-Home
£20,760
29.0% overall deduction
Monthly Take-Home
£1,730
after all deductions
Weekly Take-Home
£532.32
from £750/wk
Daily Take-Home
£106.46
from £150/day rate
Pay Breakdown (annual)
Detailed Breakdown
For guidance only. Consult a qualified accountant for personal tax advice. Rates correct for 2026/27 tax year.
Typical Take-Home at Different Day Rates
Based on 48 weeks/year, 5 days/week, £25/week margin, 3% pension. 2026/27 rates.
| Day Rate | Annual Assignment | Gross Salary | Annual Take-Home | Daily Take-Home | % Retained |
|---|---|---|---|---|---|
| £100 | £24,000 | £19,830 | £17,369 | £72.37 | 72% |
| £150(typical) | £36,000 | £29,970 | £24,451 | £101.88 | 68% |
| £200 | £48,000 | £40,110 | £31,532 | £131.38 | 66% |
| £250 | £60,000 | £50,250 | £38,614 | £160.89 | 64% |
| £300 | £72,000 | £60,390 | £44,533 | £185.55 | 62% |
Supply Contractor: Key Considerations
Term-Time Working
Supply teachers typically work 38–40 weeks per year (term time only). The calculator default uses 39 weeks. If you work in school holidays (independent schools, alternative provision), adjust accordingly.
Umbrella Margin Impact
At lower day rates, the umbrella margin represents a larger proportion of your income. At £150/day, a £20/week margin is around 2.7% of your weekly assignment rate. Compare this to a £25/week margin at £500/day which is only 1%. Shop around for competitive margins if you're on lower rates.
Pay Scales & QTS
Day rates vary based on Qualified Teacher Status (QTS), years of experience, and subject specialism. STEM teachers (Maths, Physics, Computer Science) typically command 10–20% premium over other subjects due to teacher shortage.
Holiday Pay for Supply Teachers
Supply teachers are entitled to 12.07% holiday pay on their earnings. How this is paid varies by umbrella company — check whether it is rolled-up in your regular pay or accrued and paid at end of term.
IR35 in Supply Contracting
Supply teaching is generally considered inside IR35 — teachers are typically under the direction and control of the school. Limited company structures are rarely appropriate for supply teaching. Umbrella or direct agency PAYE are the standard compliant payment methods.