A citation-ready, shareable comparison for journalists, bloggers, union reps and money pages. All figures follow GOV.UK scheme guidance.
Updated for the 2026/27 tax year (scheme rates from 1 April 2026).
Member tiers 5.2%–12.5%. Accrual 1/54th of pensionable pay, revalued CPI + 1.5%.
GOV.UK — NHS Pension Scheme ↗Member tiers 7.4%–11.7%. Accrual 1/57th of pensionable pay, revalued CPI + 1.5%.
GOV.UK — Teacher Pension Scheme ↗On a £40,000 salary, the employer pays roughly £9,480 into an NHS pension but £11,472 into a teacher's pension — a £1,992 difference in "free" retirement saving. That gap is one reason teaching can out-pension nursing at the same headline pay. Both schemes use Net Pay Arrangement, so contributions also cut Income Tax and can pull adjusted net income below the £60k Child Benefit clawback and the £100k personal allowance taper.
Model it on the NHS calculator → Teacher calculator →Use the code below to show the comparison on your site. Please keep the source link.
Figures are for 2026/27 and shown for illustration. Not financial advice. Verify against your employer statement.