Teachers' Pensions - CARE Impact Calculator (2026/27)
Plan your Teachers’ Pension
Stop guessing. Use our tools to project your income, calculate tax-free cash, and understand your options.
2026/27 Revaluation Rates:
Active members currently receive 5.4% (3.8% CPI + 1.6%).
Deferred members receive 3.8%. This calculator models how "breaks" shift you between these two speeds.
Important: This tool models the **CARE section** (post-2015) only. It does not include Final Salary (80th/60th) service.
How this 2026 CARE impact calculator works
- Accrual: Annual Slice =
Actual Pay ÷ 57. - Revaluation: In 2026, active built-up pension grows by **5.4%**.
- Breaks: If you leave the TPS (full year or short break), that year’s revaluation for built-up pension drops to 3.8% (CPI).
See your total retirement income
CARE is only one part of the picture. Use our full Teachers' Pension simulator to combine this with your Final Salary benefits and model **Phased Retirement** or **AVCs**.
Frequently Asked Questions (2026/27)
No. You only accrue a smaller "slice" during the years you work part-time. Your total built-up pot continues to receive full revaluation (CPI + 1.6% if active) every year, regardless of your current hours.
While you are out of the scheme, your built-up CARE pot grows by **CPI only** (3.8% in 2026). Once you return to teaching and remain for more than 5 years, the "in-service" revaluation (5.4%) is applied to that old service again.
As of April 2026, employers pay **28.6%** of your salary into the Teachers' Pension Scheme. This is why staying in the scheme is almost always better than opting out for retirement planning.