1. Statement Import
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Use the progressive inputs below for now.
📋 2. Pension Inputs
Start with the required essentials, then add detail only where it improves the result.
Start here
* Required for an initial estimate. Everything inside the accordions is optional and improves reliability.
61
The initial estimate treats pre-2015 legacy service as 1995 Section benefits. The 2008 Section is not currently modelled.
Enter 0 if none.
10 PAs
1. Improve pension estimate
Optional statement figures replace service-and-current-pay approximations. Leave a field blank to keep its estimate.
Enter the current accrued value, not the ABS projected-at-retirement figure. Future accrual is added separately by this modeller.
Optional: enter an NHS estimate or your own projection. Otherwise the modeller uses a 10-PA whole-time-equivalent salary estimate; Future PAs do not directly reduce it.
2. Improve tax estimate
Exact PIA values are much more reliable than the current-pay approximation.
3. Add Scheme Pays & retirement detail
4. Add membership, PCAR & McCloud detail
Pension
Statement Figures
Accrued pension is the annual benefit payable at retirement. It is not the same as the Pension Input Amount used for Annual Allowance tax.
Accrued annual benefitsUse an NHS estimate based on linked final pensionable salary. This is deliberately independent of the PA slider.
Annual
Allowance figures
Enter the Pension Input Amounts from your Pension Savings Statement. These are tax-year benefit growth values, not annual pension benefits, and cannot be calculated reliably from salary alone.
McCloud
Remedy (2015–2022)
For eligible service from 1 April 2015 to 31 March 2022. Use remedy-period figures from your RSS or the official NHS illustrator.
Enter remedy-period amounts only. Do not also include these amounts in the accrued baselines above.
Legacy
option
2015
option
How this comparison is calculated
- The selected remedy annual pension is added to the matching 1995 or 2015 graph from retirement.
- The selected remedy lump sum is added once in the retirement year.
- Retirement Income Tax is recalculated using the same other-income assumptions as the main model.
- Lifetime value uses the selected retirement age and life expectancy; it is not an actuarial or present-value quotation.
Historical Annual Allowance corrections, contribution adjustments and interest are not included; use your remedial pension savings statement and HMRC's public-service pension adjustment service.
Active
Service Parameters
Base salary used for accrual calculations
All gross taxable income before pension deductions: NHS pensionable and non-pensionable pay, private-practice profit, dividends, rent and other taxable income. Update this total separately when changing PAs.
Income type breakdown
Enter amounts already included in Total Taxable Income. The remainder is treated as employment, self-employment, property or other ordinary income.
100% (10 PAs)
Scheme
Membership Status
PCAR policies, eligibility and rates vary by employer. It is normally a taxable cash payment available only after opting out. Confirm the percentage with your trust; opting out can also reduce ill-health, death and redundancy benefits.
PCAR is employer-specific and is not included unless your trust offers it.
Pension Tax &
Scheme Pays
The NHS PIA figures are entered once in Pension Statement Figures above. Add only non-NHS pension growth and available carry-forward here.
Calculated AA Tax (£/yr)
£0
Uses current taper rules, entered carry-forward and published NHSBSA recovery factors. Future annual charges are held constant in real terms.
Retirement
Horizon
Sets the start of the working cash-flow timeline
61
86
Retirement income breakdown
These are additional to Other Income in Retirement.
Working Net Real
Cost
-£0 / yr
AA tax / yr
£0
Retirement Net
Income
+£0 / yr
Estimated annual payout after incremental pension tax
Total
Lifetime Balance
£0
Sum of projected inflation-adjusted cash flows; no present-value discounting or investment-return calculationTrue Real-Terms Cash Flows
Values cleanly adjusted back to today's purchasing power