Teachers’ Pension – Deferred vs Active Growth (2026/27)
Model revaluation for active vs deferred CARE pots under 2026 inflation rules.
Plan your Teachers’ Pension
Stop guessing. Use our tools to project your income, calculate tax-free cash, and understand your options.
The 2026 Growth Reality
- Deferred (Stop now): Existing pension rises by **3.8%** (CPI). No new accrual.
- Active (Keep paying): Existing pension rises by **5.4%** (CPI + 1.6%). You also earn a new **1/57th** slice of your pay.
Not sure of your 2026 salary? See the 2026–27 pay scales.
How your CARE grows each year (2026/27 Rules)
- Active: Built-up pot grows by **5.4%** (3.8% CPI + 1.6% uplift).
- Deferred: Built-up pot grows by **3.8%** (CPI only).
Note: The 1.6% "bonus" is effectively a reward for remaining in the scheme. Over a 20-year career, this results in a significantly higher pot compared to a deferred member with the same initial balance.
Frequently Asked Questions
Your pension becomes deferred. You keep everything you've banked, and it continues to grow with CPI. However, you lose the 1.6% uplift and the generous 28.6% employer contribution.
Usually at your Normal Pension Age (60, 65, or State Pension Age). You can claim it from 55 with an actuarial reduction, but remember this minimum age rises to 57 in April 2028.