NHS Pension Calculator

Choose your pension scheme and calculate your pension per annum and lump sum options for the following schemes:

  • 1995 Final Salary scheme (NPA: 60)
  • 2008 Final Salary scheme (NPA: 65)
  • 2015 Care Scheme (NPA: 68)
Depending on the scheme, you have the option to adjust for future inflation in regards to salary uplift and future inflation linked to CPI.
Each scheme has different rules and retirement ages and as such should be treated independently from each other.





Not Financial Advice:
The pension calculator is designed as a tool to explore potential retirement outcomes.
This is an estimate only and is not a guaranteed outcome and the figures shown are before tax.
Actual pension amounts and income may vary due to market fluctuations and individual circumstances.
Please seek financial advice before making any key decisions on your pensions.
Disclaimer: This calculator is based on public information for the NHS Pension Scheme (Scotland). The difference between the Scotland scheme and the England and Wales scheme is mainly in administration and policy implementation, but the core structure and purpose are aligned. NHS Business Services Authority (NHSBSA) administers the NHS Pension Scheme for England and Wales. Scottish Public Pensions Agency (SPPA) administers the NHS Pension Scheme for Scotland. This website is not affiliated with the NHS or any government agency. No responsibility will be held for mistakes or irregularities with any information provided using this tool.


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