📚 Teachers' Pension Calculator

Illustrative Teachers' Pension Scheme estimate with optional final salary + CARE combined flow. Spine progression, date of birth to NPA, and payslip gross. Check your annual benefit statement for accurate 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

Active teachers may have service in the final salary section (pre-April 2015) and the CARE scheme. We split service by join date and estimate each section, then total the illustrative annual pension at your normal pension age.

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.

📚 Teachers' Pension Calculator

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