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Pension Calculator

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Estimate pension for planning using basic pay, service years, and adjustable factors.

Home / Tools / Pension Calculator

Estimate pension for planning using basic pay, service years, and adjustable factors.

Note: Pension rules are complex. Use this only as a planning estimate.
Understand your result

How to use Pension Calculator

Estimate pension for planning using basic pay, service years, and adjustable factors.

  1. Select the settings and calculation mode that match your task.
  2. Enter your own values in the labelled fields; use consistent units and dates.
  3. Calculate, review the breakdown and correct any flagged inputs before using the result.

Formula and calculation method

Pension is estimated from eligible service, pensionable salary and selected scheme factors; commutation is a separate calculation.

Use the result breakdown to check the inputs and understand which factors changed the outcome.

Check before using the result

Check input units, dates and the selected rule or policy. This is a planning estimate; verify institutional or official requirements before acting.

Useful answers

Frequently asked questions

How does Pension Calculator calculate the result?

Pension is estimated from eligible service, pensionable salary and selected scheme factors; commutation is a separate calculation.

Which settings should I use?

Choose the scale, dates, units and rule that match your records. Where a custom mode is provided, enter the values from your applicable policy instead of assuming the example preset applies.

Can I use the result for an official decision?

Use the result to plan and check your figures. Confirm official requirements, records or quotations with the relevant institution.