Teachers’ Pension Calculators & Guides

Teachers’ Pension Tools (2026/27)

Explore how your pension builds under the current April 2026 revaluation rates. Use these tools to model career breaks, part-time work, or early retirement.

Total Teachers’ Pension Projector

A single place to project your retirement income. Combine Final Salary (80/60) and CARE pots. Updated for 2026 contribution bands and the McCloud remedy rollback.

Launch 2026 Projector
Includes Lump Sum Slider   McCloud Remedy Logic
Updated Early Retirement

⏰ Early Retirement Calculator

Estimate your pension if you retire before Normal Pension Age. Compare ages 55-60 and see official actuarial reductions.

Try Early Retirement
New Phased Retirement

🧭 Phased Retirement Calculator

Work part-time and take a slice of pension now. Check the 20% pay reduction rule and abatement risks.

Try Phased Retirement
Popular Lump Sum Options

💷 Lump Sum Calculator

See how swapping yearly pension for a tax-free lump sum changes your income. Includes HMRC LSA checks.

Try Lump Sums
Tax Relief Voluntary Contributions

📈 AVC Calculator

Model how paying extra monthly could grow by retirement. Includes 2026/27 tax relief calculations.

Try AVCs
Planner Going Part-time?

📊 CARE Impact Calculator

Model how breaks or part-time hours change your career-average pension pot.

Model CARE Impact
Opting out? Scenario

⚖️ Deferred vs Active Growth

Compare a deferred pension (CPI only) against staying active (CPI + 1.6% revaluation).

Compare Growth
Note: These tools are for education and planning. 2026 revaluation rates (5.4% active / 3.8% deferred) are applied. Confirm figures with Teachers’ Pensions.
Scheme Section When it applied Accrual Rate Lump Sum Rules
Final Salary (1/80ths) Up to Dec 2006 1/80 of final average salary Automatic lump sum = 3× pension.
Final Salary (1/60ths) 2007 – 2015 1/60 of final average salary No auto lump sum; commutation allowed.
CARE (Career Average) From April 2015 1/57 of actual annual pay No auto lump sum; commute up to 25%.

Example: A teacher with £12,000 CARE and £8,000 FS (1/60ths) could swap £2,000 pension for £24,000 tax-free cash (12:1 rate). Use the Lump Sum Calculator to test your own mix.

Frequently Asked Questions (2026/27)

  • 1/80ths (NPA 60): Pre-2006; Final Salary; automatic lump sum.
  • 1/60ths (NPA 65): 2007–2015; Final Salary; commutation only.
  • CARE 2015: Post-2015; Career average; revalued annually by CPI + 1.6%.

Yes, you can opt out, but you lose the 28.6% employer contribution (the current rate for 2026). It is generally considered a significant financial loss.

The LSA is the tax-free cash limit, currently £268,275. Most teachers are well under this, but our calculators apply the 25% capital value cap automatically.

In 2026/27, active members get 5.4% growth (CPI + 1.6%). If you leave teaching (deferred), growth drops to 3.8% (CPI only).