Teachers’ Pension CARE Impact Calculator

Plan your Teachers’ Pension

Stop guessing. Use our tools to project your income, calculate tax-free cash, and understand your options.

NEW Total Pension Projector
Combine Final Salary & CARE pots. Model McCloud, Phased Retirement & Salary Growth.
Pensions Home
Lump Sum
Early Retirement
Phased Retirement

What this tool models

It projects the CARE section only and compares your chosen career events with a full-time, continuously active baseline.

  • CARE accrual: pensionable pay ÷ 57.
  • Active CARE revaluation: CPI assumption + 1.6%.
  • Deferred CARE revaluation: CPI / Pensions Increase assumption.
2026 reference point: the April 2026 Pensions Increase is 3.8%, so this calculator starts with a 3.8% CPI/revaluation assumption. Future inflation will differ, so treat it as a planning input rather than a forecast.

1. Starting position

£
£
Use the annual CARE amount on your latest benefit statement.
Advanced projection assumptions
%
%
%
Default 1.6%.

2. Add career events

Ages are treated as whole-year boundaries. For example, age 50 to 52 means two scheme years.

%
A TPS break of five years or less is modelled as no new accrual during the break, with pre-break CARE retaining active revaluation if you return by the end age. A break longer than five years leaves the earlier CARE pot deferred.
%
A TPS break of five years or less is modelled as no new accrual during the break, with pre-break CARE retaining active revaluation if you return by the end age. A break longer than five years leaves the earlier CARE pot deferred.
%
A TPS break of five years or less is modelled as no new accrual during the break, with pre-break CARE retaining active revaluation if you return by the end age. A break longer than five years leaves the earlier CARE pot deferred.

See the wider pension effect

This page models CARE only. Use the main simulator if you also have Final Salary benefits, or compare staying active with leaving TPS altogether.

Open Full Pension Simulator Compare Active vs Deferred

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CARE impact FAQs

Part-time work mainly reduces the new CARE slice earned in those years because accrual is based on actual pensionable earnings. Existing active CARE still receives the scheme’s active revaluation while you remain an active member.

If you return to pensionable service after a break of no more than five years, earlier CARE can be revised so the break period receives active-member revaluation. You do not earn new CARE during the period when you are not in pensionable service.

After a break of more than five years, the CARE built before the break generally remains a deferred pension and continues under deferred revaluation. CARE earned after returning builds as a new active pension record.