NHS Pension Calculator

Illustrative NHS Pension estimate with optional combined 1995, 2008 and 2015 sections. Year-by-year CARE accrual, join date split, band or payslip gross. Use your annual benefit statement for definitive figures.

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

NHS Pension Calculator

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About this calculator

The NHS Pension Scheme has three main sections for many members: 1995 (final salary + lump sum), 2008 (final salary) and 2015 (career average). This calculator can combine all three using your join date and service, or model 2015 CARE only.

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.