Pensions

Five flagship UK public sector pension calculators with year-by-year CARE accrual: NHS (combined sections), Teachers' Pension, Civil Service Alpha, LGPS and Police 2015.

Choose your scheme

Five deep calculators with year-by-year accrual, combined sections where applicable, and links to full retirement modelling on our sister site.

NHS PensionThe NHS Pension Scheme has three main sections for many members: 1995 (final salary + lump sum), 2008 (final salary) and…Open calculator →Teachers' PensionActive teachers may have service in the final salary section (pre-April 2015) and the CARE scheme. We split service by j…Open calculator →Civil Service AlphaAlpha is the current Civil Service CARE scheme (from April 2015). Members with pre-2015 service may also have Classic or…Open calculator →LGPSThe LGPS moved to a CARE design from 1 April 2014. Benefits built up before that date use final salary rules at retireme…Open calculator →Police 2015Police officers may have service in the 1987 final salary scheme and the 2015 CARE scheme. The 1987 scheme provides a pe…Open calculator →

Accurate UK pension information

UK public sector pension rules, accrual and benefits differ for each scheme (NHS Pension, Teachers' Pension, Civil Service Pension, LGPS, AFPS, police, fire, etc.). For accurate figures and your personal entitlement, always use:

  • Your scheme's official UK website and member portal
  • Your annual benefit statement (the definitive source for your own pension)
  • Your employer or scheme administrator for scheme-specific rules

In more than one scheme?

If you have built up pension in multiple UK public sector schemes (e.g. NHS then civil service, or teachers then LGPS), each scheme keeps a separate record. You need to check each scheme for your own accurate figures and for options such as transfers or combining benefits. This site links you to the right UK scheme by organisation; we do not hold or calculate your personal pension data.

About these calculators

Five flagship scheme calculators

We built deep pension calculators for the schemes most UK public sector workers use: NHS Pension (with optional combined 1995/2008/2015), Teachers' Pension, Civil Service Alpha, LGPS and Police 2015. Each uses year-by-year CARE accrual, band or payslip gross, date of birth to normal pension age, and optional combined legacy sections.

Always use your annual benefit statement

These tools are for illustrative planning only. Your scheme administrator and annual benefit statement are the definitive sources. Early retirement reductions and commutation use illustrative scheme factors. For McCloud remedy, State Pension and full cashflow modelling, see Retirement Calculators.