LGPS Pension Calculator

Illustrative Local Government Pension Scheme (LGPS) estimate with optional pre-April 2014 final salary + CARE combined flow. 1/49th CARE accrual, CPI revaluation, NJC spine progression.

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Your annual benefit statement is the definitive source. This calculator gives an illustrative projection for planning only.

LGPS Pension Calculator

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About this calculator

The LGPS moved to a CARE design from 1/4/2014. Benefits built up before that date use final salary rules at retirement. This calculator can combine both sections using your join date and service.

What makes this different

  • Year-by-year CARE accrual: each year's pot is revalued separately to retirement
  • Band + years or payslip gross: same salary inputs as our take-home calculators
  • Date of birth → NPA: retirement timing from your age, not guesswork
  • Combined sections: where applicable, split legacy and CARE service by join date
  • Early retirement & commutation: illustrative actuarial reductions before NPA and an optional lump-sum slider in results

What we do not model

McCloud remedy, State Pension and transfer values. For full lifetime cashflow and tax modelling, see Retirement Calculators.