Your pension contributions

The amount you pay towards your pension scheme depends on your current level of salary. Your pension contributions are deducted from your monthly salary by your employer and you receive income tax relief on your contributions.

It’s important to check that the correct amounts are being deducted each month. You should also note that if your salary fluctuates from month to month, your pension contribution rate will be based on a salary bracket which is the equivalent of your monthly salary multiplied by 12. Current contribution rates for the Scottish Teachers' Pension Scheme 2015 and the Scottish Teachers' Superannuation Scheme are shown in the table below.

Full Time Equivalent pensionable pay/ Actual pensionable earnings

Contribution rate

Up to and including £27,697 7.2%
£27,698 to £37,284 8.7%
£37,285 to £44,209 9.7%
£44,210 to £58,590 10.4%
£58,591 to £79,895 11.5%
£79,896 and above 11.9%

A member's actual pay, rather than the whole time equivalent, should be used to determine the contribution rate due.  This applies to both the Scottish Teachers' Superannuation Scheme (STSS) and Scottish Teacher' Pension Scheme 2015 (STPS 2015).

Your employer’s contribution

The employer's contribution rate is 17.2% to 31 August 2019.  From 1 September 2019 to 31 March 2023 the rate will be 23%.  This information is confirmed in the Teachers Circular - Employer Contribution Rate Mar 2019.

Find out how you can increase your pension

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