Your NHS Pension Choice Calculators

This information is not relevant to Choice 2. Please visit the Choice 2 webpage at



In this section you will find pension modellers which will show members of the NHS Pension Scheme how the two sections of the scheme affect the levels of payments and benefits that can be paid at retirement. The modellers are designed to help support members during the Choice Exercise.  


The purpose of these Modellers is to demonstrate the differences between the two Sections of the NHS Pension Scheme and provide estimations of the minimum and maximum lump sum you can take by giving up part of your pension to increase your lump sum. They are not intended to provide you with a personalised quote of your actual retirement benefits.

Any figures obtained from this Modeller are for the purposes of illustration only and are not a guarantee of the pension savings you have built up in the 1995 Section or the pension savings you will have in the 2008 Section should you choose to transfer to it. 

This Modeller is intended to assist active members to make an informed decision about their NHS Pension Choice.  You are only entitled to receive a Choice Statement if you were a contributing member of the 1995 Section of the NHS Pension Scheme on or after 1 October 2009  and are still an active member at the time the Choice Statement is issued to you. It does not take into account:-

• Pension sharing orders
• Doubled' Mental Health Officer service
• Added year’s contracts
• Additional Pension
• any reduction on your pension for income tax or lifetime allowance charges.

Please note that there are also some limits on the amount of membership that can be counted for your benefits and therefore the estimate you produce may be inaccurate.


At the Government’s request Lord Hutton has carried out an independent review into public service pensions (including the NHS Pension Scheme).
In his final report, which was published on 10 March 2011, Lord Hutton has made a number of recommendations, which the Government has accepted as a basis for consultation with public service workers, trades unions and others.

NHS Pensions will provide a further update on the Government’s response when this is available, on the NHS Pensions website at

In the meantime, we have developed three additional factsheets for Scheme members about the possible affects of the recommendations, if accepted. These can be viewed or downloaded from the Choice area of the above website.

You may also wish to review the full report before making a decision.

For more information go to

If you have any Choice questions relating to these calculators, please contact our dedicated Choice Helplines. Details are shown below:

  • Choice Employer Helpline: 0300 123 1701. The call centre is open Monday-Friday 9am-5pm. 
  • Choice Member Helpline: 0300 123 1601. The call centre is open Monday-Friday 9am-5pm.

If you need technical support, please use the Contact NHS Pensions button on the Home Page.