NHS

Pension Estimator

Illustrative estimate across 1995, 2008, McCloud remedy & 2015 CARE schemes

Your details
Final salary at retirementper year
£45,000
CPI assumptionfor CARE revaluation
2.5%
Scheme membership
1995 scheme service
Enrolled before 2008
2008 scheme service
Enrolled 2008–2015
McCloud remedy window
In scheme before Apr 2012 & Apr 2015
2015 CARE service
Post April 2022
1995 scheme
Final salary · Age 60 · 1/80th
Years of servicepre-April 2015
15 yrs
McCloud remedy window
Apr 2015 – Mar 2022 · 7 years fixed

NHSBSA calculates both options and pays the higher for these 7 years.

Salary during 2015–2022remedy period
£35,000
Years until retirementfor CPI revaluation
10 yrs
Calculating...
2015 CARE scheme
Career average · State pension age · 1/54th
Years of servicepost-April 2022
4 yrs
Your estimated retirement income
Annual pension
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before tax
Monthly income
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before tax
Tax-free lump sum
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at retirement
State pension (age 67+)
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combined annual
Annual pension breakdown
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Monthly income over retirement
1995/McCloud accessible from age 60. CARE and state pension from age 67.
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NHS pensionState pension
Illustrative estimate only — not financial advice. Contact NHSBSA or a regulated financial adviser for a personal pension statement.