01 / Your NHS pension

Estimate Your NHS Pension

Combine legacy 1995 or 2008 benefits with an illustrative 2015 Scheme CARE projection. Change any figure and the estimate updates instantly.

Which NHS Pension benefits do you have?
Select your main benefit mix

Most active members now build new benefits in the 2015 Scheme, while older service may remain in a legacy section.

Your benefits
2015 Scheme CARE
From TRS / benefit statement if known

This is the annual pension already built up in the 2015 Scheme, not your pension pot value.

1.5%

Active 2015 benefits are revalued using Treasury Orders plus 1.5%. This input uses 1.5% as a simplified real-terms projection assumption.

Important scheme limitations Read first

This estimator is designed for a straightforward NHS officer-style calculation. Practitioner benefits use different career-average formulas. It also does not apply early-retirement reductions, late-retirement uplifts, ERRBO, added pension, transferred benefits or McCloud remedy adjustments.

Illustrative NHS Pension Scheme estimate

02 / Your breakdown

See What Your NHS Pension Could Mean

Compare the annual pension with simple monthly and weekly equivalents and see how much comes from legacy and 2015 Scheme benefits.

Annual pension £15,532 before tax
Monthly equivalent £1,294 annual ÷ 12
Weekly equivalent £299 annual ÷ 52
1995 automatic lump sum £0 normally 3 × 1995 pension

03 / How it works

Three Benefit Structures.
Different Rules.

1995 Section officer accrual 1/80
1995 normal retirement lump sum 3 × pension
1995 normal pension age 60*
2008 Section officer accrual 1/60
2008 normal pension age 65
2015 Scheme annual build-up 1/54
2015 active-member revaluation Treasury Orders + 1.5%
2015 normal pension age SPA or 65, if later

*Certain 1995 Section members with Special Class status may have a normal pension age of 55. Practitioner benefits are calculated differently from the officer formulas used by this estimator.

NHS Pension member hub → Understand your statement → Retirement guidance →

04 / Common questions

NHS Pension Calculator FAQs

Key points to understand before using an estimate for retirement planning.

How is the NHS 2015 Pension Scheme calculated?

The 2015 Scheme is a career-average revalued earnings scheme. Each year you build pension equal to 1/54 of that year's pensionable earnings. Benefits are then revalued while you remain an active member.

How is a 1995 Section NHS pension calculated?

For a standard officer calculation, the annual pension is normally pensionable pay multiplied by pensionable membership and divided by 80. The 1995 Section also normally provides an automatic retirement lump sum equal to three times the pension.

How is a 2008 Section NHS pension calculated?

For officers, the 2008 Section normally provides 1/60 of reckonable pay for each year of pensionable membership. It does not normally include an automatic lump sum.

What is the normal pension age for the NHS Pension Scheme?

It is normally age 60 in the 1995 Section, 65 in the 2008 Section, and in the 2015 Scheme it is your State Pension age or age 65 if that is later. Some 1995 members with Special Class status can have different rights.

Does this calculator include early retirement reductions?

No. Taking NHS pension benefits before the relevant normal pension age can reduce the amount. The exact reduction depends on the scheme, age and retirement date, so this calculator shows benefits before those adjustments.

What is the McCloud remedy and can it change my estimate?

Some members affected by the public-service pension remedy can choose between legacy and reformed scheme benefits for service in the remedy period. That choice can alter the final benefit, so an official NHS Pension statement should be used for personalised figures.

Does this calculator work for NHS practitioners?

Not accurately. Practitioner benefits use career-average calculations that differ from the standard officer final-salary formulas in the 1995 and 2008 Sections. Practitioners should rely on their NHS Pension statement or an official estimate.