Teachers’ AVC Calculator (2026/27)

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See how monthly Additional Voluntary Contributions (AVCs) could build a separate investment pot alongside your Teachers’ Pension.

Teachers’ AVC contributions are deducted from earnings before Income Tax is calculated, so the tax saving depends on your circumstances and marginal tax rate. The AVC itself is a defined contribution investment: its value can rise or fall, and charges and investment performance affect the final pot.

This calculator uses simple constant-growth assumptions of 3%, 5% or 7%. These are planning scenarios, not forecasts.

£
£
Before allowing separately for provider charges.
Use the rate that applies to the income relieved by your contribution.
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Standard 2026/27 LSA: £268,275. Enter the amount you still have available.

Compare AVCs with your main Teachers’ Pension

AVCs are a separate investment pot. Use the full simulator to compare this flexibility with your Final Salary and CARE benefits.

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AVC FAQs

An AVC is an additional defined contribution investment pot alongside your main Teachers’ Pension benefits. Its eventual value depends on contributions, investment performance and charges.

AVC benefits can currently normally be taken from age 55. The normal minimum pension age rises to 57 from 6 April 2028 unless you have a protected pension age. The AVC pot does not have to be taken at the same time as your main Teachers’ Pension benefits.

In most cases up to 25% of a defined contribution pot can be taken tax-free, but this is subject to your remaining Lump Sum Allowance and individual tax circumstances.