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Build a simplified estimate of public-sector pension income from salary and service assumptions. Check your scheme statement for your recorded benefits.
Salary & Service
£0–£1,000,000; whole pounds.
0–60 whole years.
0–60 whole years to retirement.
Retirement
Whole years, 55–75.
£51,931
NHS 2015 Scheme (CARE) · normal pension age State Pension Age or age 65 if later. This simplified estimate is not an administrator quote.
1/54th CARE · Normal Pension Age: State Pension Age or age 65 if later.
The expected retirement age labels the final service year. This estimate is valued at the scheme’s Normal Pension Age and does not apply early- or late-retirement adjustments.
This model uses a fixed 4.0% revaluation illustration (a 2.5% CPI assumption plus the scheme's 1.5% active-service uplift). Actual CPI changes each year, and scheme revaluation rules can depend on active or deferred membership. This is not a scheme statement or forecast. NHSBSA explains 2015 Scheme revaluation.
Each point shows the simplified annual pension at Normal Pension Age by service year. The table also lists an illustrative ×20 amount; it is not a transfer value or equivalent-benefit quote.
Year-by-year pension estimate and illustrative amount
| Service year | Age | Annual pension at NPA | Illustrative ×20 amount |
|---|---|---|---|
| Year 1 | 39 | £2,887.64 | £57,752.80 |
| Year 2 | 40 | £5,664.22 | £113,284.35 |
| Year 3 | 41 | £8,334.00 | £166,680.06 |
| Year 4 | 42 | £10,901.10 | £218,022.10 |
| Year 5 | 43 | £13,369.47 | £267,389.43 |
| Year 6 | 44 | £15,742.90 | £314,858.03 |
| Year 7 | 45 | £18,025.05 | £360,500.91 |
| Year 8 | 46 | £20,219.41 | £404,388.30 |
| Year 9 | 47 | £22,329.39 | £446,587.70 |
| Year 10 | 48 | £24,358.20 | £487,164.06 |
| Year 11 | 49 | £26,308.99 | £526,179.78 |
| Year 12 | 50 | £28,184.75 | £563,694.90 |
| Year 13 | 51 | £29,988.36 | £599,767.14 |
| Year 14 | 52 | £31,722.60 | £634,451.97 |
| Year 15 | 53 | £33,390.14 | £667,802.78 |
| Year 16 | 54 | £34,993.54 | £699,870.86 |
| Year 17 | 55 | £36,535.28 | £730,705.56 |
| Year 18 | 56 | £38,017.72 | £760,354.30 |
| Year 19 | 57 | £39,443.14 | £788,862.71 |
| Year 20 | 58 | £40,813.73 | £816,274.64 |
| Year 21 | 59 | £42,131.61 | £842,632.27 |
| Year 22 | 60 | £43,398.81 | £867,976.14 |
| Year 23 | 61 | £44,617.26 | £892,345.25 |
| Year 24 | 62 | £45,788.85 | £915,777.08 |
| Year 25 | 63 | £46,915.38 | £938,307.69 |
| Year 26 | 64 | £47,998.59 | £959,971.74 |
| Year 27 | 65 | £49,040.13 | £980,802.55 |
| Year 28 | 66 | £50,041.61 | £1,000,832.18 |
| Year 29 | 67 | £51,004.57 | £1,020,091.44 |
| Year 30 | 68 | £51,930.50 | £1,038,609.96 |
Estimate a public-sector defined-benefit pension using a simplified salary-and-service model. NHS, Teachers’, Civil Service and LGPS schemes have distinct rules and benefit statements; this page does not reproduce any member record or official quote.
Enter a scheme, current salary, past and future service, and retirement age. The illustration holds salary constant across the entered service and applies generic accrual assumptions. The ×20 and 4% figures are comparison measures only. It does not calculate an HMRC Annual Allowance pension input amount or tax charge.
These NHSBSA, HMRC, GOV.UK, Teachers’ Pensions and LGPS sources support the scheme and tax explanations on this page. The calculator remains a simplified planning illustration.