Armed Forces Pension Calculator UK
Pension Calculator
1. Service Details
2. Financial Details
Your Estimated Results
Awaiting calculation
Enter your details to see your pension estimate.
Total Years of Service
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Annual Pension
£–
Tax-Free Lump Sum
£–
Pension Breakdown
Your pension becomes payable at age:
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This calculator provides an illustrative estimate only and is not a guarantee of benefits. It is not financial advice.
About Our Tool
The Armed Forces Pension Calculator UK is a comprehensive, user-friendly tool designed to give serving and former members of the British Armed Forces a clear projection of their pension entitlements. Understanding your pension can be complex, with different schemes and rules to navigate. This calculator simplifies the process by providing an estimate of your pension based on your service details. Our goal is to empower you with the financial knowledge you need to plan for a secure future after your dedicated service to the nation.
Key Features of Our Tool
- Supports All Major Schemes: Calculate your pension for AFPS 75, AFPS 05, and the current AFPS 15.
- Mobile-First Design: Access and use the calculator seamlessly on any device, from desktop to smartphone.
- Advanced Options: Explore scenarios like commutation to understand how you can shape your retirement benefits.
- Instant & Detailed Results: Receive an immediate breakdown of your estimated annual pension and tax-free lump sum.
How To Use This Tool
- Enter Service Details: Select your pension scheme, and enter your enlistment/discharge dates and final rank.
- Provide Financials: Input your final pensionable pay. For AFPS 15, this should be your estimated career average earnings.
- Explore Advanced Options (Optional): Expand the advanced section to model the effects of commuting part of your pension for a larger lump sum or to factor in any ‘Added Pension’ you have purchased.
- Calculate & Review: Click the “Calculate My Pension” button. Your results will be displayed instantly, showing your estimated annual pension, lump sum, and when it becomes payable.
Frequently Asked Questions
No, this is an independent tool designed to provide an illustrative estimate of your Armed Forces pension. For a formal forecast, you should request one from Veterans UK by completing an AFPS Form 12 (if serving) or Form 14 (if a veteran).
Generally: If you joined before 6 April 2005, you started in AFPS 75. If you joined between 6 April 2005 and 31 March 2015, you started in AFPS 05. If you joined on or after 1 April 2015, you are in AFPS 15. As of 1 April 2022, all serving personnel are now members of AFPS 15, but your previous benefits are protected.
Commutation is the process of giving up a portion of your annual pension in exchange for a larger tax-free lump sum when you retire. The calculator’s advanced options allow you to see how this choice would affect your benefits.
The McCloud Remedy (or Pension Remedy) addresses age discrimination in the 2015 public service pension reforms. Eligible members who were moved to AFPS 15 will be able to choose whether to receive benefits from their old scheme (legacy) or AFPS 15 for the remedy period (1 April 2015 – 31 March 2022). This choice is made at retirement. This calculator focuses on estimating benefits for a single scheme but be aware you may have this choice.