🏥 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.

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.

🏥 NHS Pension Calculator

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