NHS Pension at Retirement Estimate
A rough idea of your yearly NHS pension when you retire.
Your details
Covers moving up bands. 1% is a modest guess.
Normal pension age is your State Pension age.
From your latest annual benefit statement. Leave at 0 if you are new.
Each £12 of lump sum costs £1 a year of pension.
Estimated pension at 67, in today's money
£34,836 / year
About £2,903 a month before tax
- Years of membership left
- 32
- Yearly pension before lump sum
- £34,836
- Lump sum taken
- £0
- Largest lump sum available
- £149,297
- Yearly pension after lump sum
- £34,836
A rough guide using the 2015 scheme rules. It ignores early retirement reductions, older scheme sections and any breaks in membership. Your NHS Pensions statement is the official figure.
How it is worked out
- 1Each year in the 2015 scheme you build up 1/54 of that year's pensionable pay.
- 2While you are still a member, the pension you have built up grows by inflation plus 1.5% each year.
- 3We show the result in today's money, so you can compare it with what things cost now.
Worth knowing
- This is a guide only. Your annual benefit statement from NHS Pensions is the official figure.
- Retiring before your normal pension age reduces the yearly amount. Older 1995 and 2008 section benefits are not included.
Sources
The rules and figures behind this calculator come from:
- NHS Business Services Authority: Membership of the NHS Pension Scheme
- NHS Business Services Authority: Applying for your pension
- GOV.UK: Check your State Pension age
Results are estimates for Agenda for Change staff in England using 2026/27 figures. They are not financial advice. Your payslip, employer or NHS Pensions statement has the final word.
Embed this calculator on your website
Free to use on any website. Copy this code into your page. It shows the calculator with a link back to this page.