Contributions

How much do I have to pay?

2018 to 2019 member contribution bandings

The rate of contributions you pay will be based on your actual pensionable pay and if you get paid non-contractual overtime you will also pay contributions on this pensionable pay. If you elect for the 50/50 section of the scheme you would pay half the rates listed below.

Band If your pay is: Contribution rate – main section Contribution rate – 50/50 section
1 Up to £14,100 5.5% 2.75%
2 £14,101 to £22,000 5.8% 2.9%
3 £22,001 to £35,700 6.5% 3.25%
4 £35,701 to £45,200 6.8% 3.4%
5 £45,201 to £63,100 8.5% 4.25%
6 £63,101 to £89,400 9.9% 4.95%
7 £89,401 to £105,200 10.5% 5.25%
8 £105,201 to £157,800 £11.4% 5.7%
9 £157,801 and more 12.5% 6.25%
Assessing your contribution rate

Your employer will decide the appropriate contribution rate for each employment by matching your actual pensionable pay to the appropriate band and section in the contribution table.

How often and when your contribution rate is reviewed is decided by your employer. If this results in a change to your contribution rate, they will let you know.

Contribution rate examples
Example 1

Sarah works part time as a teaching assistant.

  • Her annual pensionable pay is £12,000.
  • Her gross contribution rate will be 5.5% (£55 a month).
  • Her actual contribution rate after tax relief will be 4.4% (£44 a month).

Example 2

Ben works full time as a team manager.

  • His annual pensionable pay is £25,000.
  • His gross contribution rate will be 6.5% (£135.42).
  • His actual contribution rate after tax relief will be 5.2% (£108.34 a month).

Example 3

Sarah works full time as a Department Head.

  • Her annual pensionable pay is £80,000.
  • Her gross contribution rate will be 9.9% (£660 a month).
  • Her actual contribution rate after tax will be 5.94% (£396 a month).

Previous years' employee contribution rates

Before 1 April 2014, contribution pay bands were based on whole time equivalent pay, unless you were a term time worker.

Term time working must be the employer's requirement and means a person whose contact of employment provides for a regular pattern of periods of work and periods of no work i.e. the workplace shuts over the school holiday; although it is not limited to persons working in educational establishments.

If you choose to work term time hours but your employer would let you work during school holidays, then you will be classed as a part time worker for the purpose of assigning your contribution rate band.

2017 to 2018

Band Whole time equivalent pay band Contribution rate
1 Up to £13,700 5.5%
2 £13,701 to £21,400 5.8%
3 £21,401 to £34,700 6.5%
4 £34,701 to £43,900 6.8%
5 £43,901 to £61,300 8.5%
6 £61,301 to £86,800 9.9%
7 £86,801 to £102,200 10.5%
8 £102,201 to £153,300 11.4%
9 More than £153,301 12.5%

2016 to 2017

Band Whole time equivalent pay band Contribution rate
1 Up to £13,600 5.5%
2 £13,601 to £21,200 5.8%
3 £21,201 to £34,400 6.5%
4 £34,401 to £43,500 6.8%
5 £43,501 to £61,700 8.5%
6 £60,701 to £86,000 9.9%
7 £86,001 to £101,200 10.5%
8 £101,201 to £151,800 11.4%
9 More than £151,801 12.5%

2014 to 2015

Band Whole time equivalent pay band Contribution rate
1 Up to £13,500 5.5%
2 £13,501 to £21,000 5.8%
3 £21,001 to £34,000 6.5%
4 £34,001 to £43,000 6.8%
5 £43,001 to £60,000 8.5%
6 £60,001 to £85,000 9.9%
7 £85,001 to £100,000 10.5%
8 £100,001 to £150,000 11.4%
9 More than £150,000 12.5%

2013 to 2014

Band Whole time equivalent pay band Contribution rate
1 Up to £13,700 5.5%
2 £13,701 to £16,100 5.8%
3 £16,101 to £20,400 5.9%
4 £20,401 to £34,000 6.5%
5 £34,001 to £45,500 6.8%
6 £45,501 to £85,300 7.2%
7 More than £85,300 7.5%

2012 to 2013

Band Whole time equivalent pay band Contribution rate
1 Up to £13,500 5.5%
2 £13,501 to £15,800 5.8%
3 £15,801 to £20,400 5.9%
4 £20,401 to £34,000 6.5%
5 £34,001 to £45,500 6.8%
6 £45,501 to £85,300 7.2%
7 More than £85,300 7.5%