Police Pension Scheme Calculator (1987/2006/2015) UK

Use this Police Pension Scheme Calculator to get a practical estimate of your annual pension, possible tax-free lump sum, and pension after commutation across the 1987, 2006, and 2015 police pension schemes. It is useful for checking your own numbers before comparing them with your latest Annual Benefit Statement, pension administrator figures, or McCloud remedy information.

1

Select Scheme

This selection is only for reference and does not change the calculation.
2

Personal Details

Retirement Age: --
3

Pay & Service

Found on your annual pension statement.
This is an editable annual assumption. Active 2015 CARE accounts normally use CPI + 1.25%, while deferred benefits usually increase by CPI only.
Service limits depend on the scheme selected. Check your statement for exact service.
⚙️ Advanced Options ▼
If you have part-time service, enter the average hours worked.
/ 40 Hours
The default is only a working estimate. Use the factor from your latest statement or pension administrator for a more reliable result.
The tax-free cash limit is subject to HMRC rules and your personal pension details.
This gives a simple estimate for the remedy period only. It is not a replacement for your official Remediable Service Statement.
Swap some or all of the automatic lump sum for extra annual pension. Use your official factor where available.

How it works

This tool turns the main police pension rules into a quick estimate. It uses the scheme you select, the pay or CARE value you enter, and any optional adjustments such as part-time service, commutation, and early retirement reduction.

  • PPS 1987: A final salary scheme. You accrue 1/60th of your final salary for the first 20 years, and 2/60th for service over 20 years, capped at 30 years.
  • NPPS 2006: Also final salary. You accrue 1/70th of your final salary per year, capped at 35 years. It includes an automatic lump sum of 4x your pension.
  • PPS 2015 (CARE): A career average scheme. Active members build pension at 1/55.3 of pensionable earnings each year, and active CARE benefits are normally revalued by CPI + 1.25%.

The calculator adjusts part-time service by scaling pensionable service against a standard 40-hour week. This is a simplified approach, so use your official service record for important decisions.

Inputs explained

Date of Birth & Retirement Date

These dates estimate your retirement age and help you see whether an early retirement reduction may be needed. If you retire before your scheme’s Normal Pension Age, your pension is usually reduced because it is expected to be paid for longer.

Final Pensionable Pay

For the 1987 and 2006 schemes, final pensionable pay can depend on your salary history and the scheme rules that apply to you. Use the pay figure shown on your pension statement or provided by your administrator where possible.

CARE Pension Account Value

For the 2015 scheme, your Annual Benefit Statement may show a pension account value, such as £4,000 per year. This is usually the best figure to enter. If you do not have it, the projection option can give a rough estimate from current pensionable pay.

Commutation

Commutation means giving up part of your annual pension for a one-off lump sum. The commutation factor decides how much lump sum you receive for each £1 of annual pension given up. Tax-free cash limits and factors can vary, so check your official quote before relying on the estimate.

Assumptions and limitations

This calculator uses standard accrual rates and simplified assumptions to keep the estimate easy to use. It does not account for:

  • Future pay rises (unless you input a higher final salary manually).
  • Year-by-year CPI changes for CARE revaluation unless you enter your own assumption.
  • Complex ill-health retirement tiers (beyond basic estimates).
  • Every scheme-specific rule for short service, ill-health retirement, transfers, pension sharing orders, or tax protections.

For the McCloud Remedy, the tool only provides a simple comparison snapshot for the remedy period from 1 April 2015 to 31 March 2022. Your official Remediable Service Statement should be used for the actual figures and choices.

Frequently Asked Questions

It depends on your scheme and service record. The 2015 police pension scheme has a Normal Pension Age of 60, while 1987 and 2006 benefits can follow different age and service rules. If you retire before the relevant age, an actuarial reduction may apply.

Your pensionable service is scaled down based on the hours you worked. If you worked 20 hours a week for 5 years (instead of 40), you accrue 2.5 years of pensionable service (5 * 20/40).

Usually yes. A lump sum is normally paid around retirement, and the pension is then paid as regular income. Exact payment timing depends on your administrator and completed paperwork.

Inverse commutation is mainly linked with the 2006 scheme. It lets you give up part or all of the automatic lump sum to increase your annual pension, using the factor that applies to you.

If you have enough qualifying service, your benefits are normally preserved as deferred benefits and increased until you take them. Short service cases can be different, so check the rules that apply to your scheme.

It is a high-level estimate, not an official pension quote. Your official figures may differ because administrators use exact service dates, pay records, revaluation, commutation factors, remedy rules, and tax details.

Your official statement can include exact pay history, service breaks, part-time records, CPI revaluation, McCloud remedy adjustments, tax limits, and the latest scheme factors. This calculator can only estimate those items from the details you enter.

Results copied to clipboard