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The NHS Pension Calculator provides you with an illustration of your benefits at a retirement date selected by you. The calculator can be used by most members of the 1995 section National Pension Age (NPA) 60, the 2008 section NPA 65 and the 2015 scheme, and those with membership of both. This calculator should be used for guidance purposes only and is not a guarantee of future benefits. It is not intended to provide you with financial advice. If you require financial advice, you should contact an independent financial adviser.

Before you start, it may be useful to view your most recent Annual Benefit Statement. You should:

  • Make sure that you have read the notes and assumptions on the calculator
  • Know the date you joined the scheme
  • Know your pensionable pay
  • Know any service credited from a transfer in (final salary scheme only).

What the calculator provides:

  • The calculator offers an illustration of benefits that could become payable from the NHS Schemes at a retirement date selected by you, at today's value.
  • It shows benefits payable for each scheme you have been a member of
  • An estimate of the maximum lump sum that could be payable
  • A printable copy of the results produced.

What the Calculator does not provide:

  • How your pension is calculated
  • Practitioner Calculations, unless the member has 2015 scheme benefits only
  • MHO status will not be taken into account when using this calculator
  • Calculations for Choice members who moved from the 1995 section to the 2008 section 
  • The effect of pensions tax charges on your benefits
  • Details of future state pension or private pension provision
  • Details of pension benefits for part-time workers with more than one employment
  • Details of any ill health benefits
  • Details of any survivor benefits payable in the event of your death
  • Details of any optional benefits, such as added years, additional pension or additional voluntary contributions.

 

Documents

FAQ

NHS Pension Calculator (The Calculator is a Microsoft Excel file, it may not be compatible with some Tablet and mobile devices which do not support Microsoft products. Accessibility Guidance is available on the SPPA Website)

Glossary of commonly used terms.

Support

If you have any issues with the NHS Pension Calculator, please contact This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Please let us know what you think of the calculator and guidance by completing our online Survey

Link to Scottish Government Website