Terms of Use

All calculators, guides, planning journeys and editorial content are provided for general information and illustration only. They do not constitute legal, tax, payroll, pension, HR, financial or career advice.

Outputs are based on published frameworks and structured datasets that may not match your employer, contract, tax code, pension tier or local policies. Always confirm material figures with HR, payroll, your union or official sources.

We aim for accuracy and review datasets periodically (see data sources and the homepage review date). Pay awards, spine points, allowances and leave rules change. Academisation, trust-specific terms and local agreements can differ from national models.

You are responsible for checking official sources before making employment, financial or legal decisions.

Public Sector Calculators is independent. We are not affiliated with HM Government, the NHS, local authorities, schools, police forces, unions or any individual employer. Do not present our illustrations as official employer guidance.

To the fullest extent permitted by law, we are not liable for any loss or damage arising from reliance on this site, including indirect or consequential loss. Use of the site is at your own risk.

Unless otherwise stated, site content, design and code are owned by the site operator. You may link to our pages with clear attribution. Do not scrape, mirror or republish substantial content without permission.

Do not use this site to misrepresent official employer guidance, harass others, attempt to disrupt service, or automate high-volume scraping that impairs availability. Do not submit false bug reports or abuse the contact address.

We may restrict access or remove content that violates these terms or applicable law, without notice where necessary.

We may update these terms at any time by publishing the revised version on this page. Continued use of the site after changes are posted constitutes acceptance of the updated terms.

Questions about these terms: ryan@retirementcalculators.uk

See also our privacy policy and contact page.