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1995 NHS Pension Calculator (Estimated)

Input NHS Salary at retirement

Note: This could be higher due to an increment, changing jobs or overtime. If part time put full time equivalent.

Input Years of NHS Reckonable Membership

Years (and days for below) of Reckonable Membership can be found on ESR (1995 tab of the Total Rewards Statement). Reckonable membership shows the years and days accrued in the NHS 1995 Pension. Note: The McCloud 7 years may not be included in this statement.

Days of NHS reckonable membership

Scroll below to see estimated pension results. If the numbers above are inputted correctly the bullet points will show the 1995 NHS Pension lump sum, annual salary (and what this would be each month). Values for taking the maximum lump sum are also listed. Early retirement (from 50) values are shown. The 1995 Pension can be taken (with penalty) any time between the age of 50 and 60 years old.

1995 NHS Pension Calculator (inc. early retirement)

This 1995 NHS Pension calculator estimates the 1995 Pension entitlement at full maturity (60 years old) and if taken early (from 50 years old). It also calculates estimated values for any age between 50 and 60 years old. Whilst NHS early retirement impacts the amount of pension received (there are penalties for taking the 1995 pension early), this is compensated by receiving the pension over a longer period of time. All values are approximate - please only use this calculator as a guide!

Taking 1995 NHS Pension at 60 years old

At 60 the yearly 1995 NHS Pension would be *TBC *
At 60 the annual pension is reduced by 0.0%
Each month this would be *TBC*
The 1995 NHS Pension lump sum at 60 would be *TBC*
At 60 the lump sum is reduced by 0.0%
At 60 the 1995 maximum lump sum would be *TBC*
By taking the maximum lump sum at 60 the 1995 NHS annual pension reduces to *TBC*
Each month this would be *TBC*

Taking 1995 NHS Pension at 59 years old

At 59 the yearly 1995 NHS Pension would be *TBC *
At 59 the annual pension is reduced by 4.3%
Each month this would be *TBC*
The 1995 NHS Pension lump sum at 59 would be *TBC*
At 59 the lump sum is reduced by 1.7%
At 59 the 1995 maximum lump sum would be *TBC*
By taking the maximum lump sum at 59 the 1995 NHS annual pension reduces to *TBC*
Each month this would be *TBC*

Taking 1995 NHS Pension at 58 years old

At 58 the yearly 1995 NHS Pension would be *TBC *
At 58 the annual pension is reduced by 8.3%
Each month this would be *TBC*
The 1995 NHS Pension lump sum at 58 would be *TBC*
At 58 the lump sum is reduced by 3.3%
At 58 the 1995 maximum lump sum would be *TBC*
By taking the maximum lump sum at 58 the 1995 NHS annual pension reduces to *TBC*
Each month this would be *TBC*

Taking 1995 NHS Pension at 57 years old

At 57 the yearly 1995 NHS Pension would be *TBC *
At 57 the annual pension is reduced by 12.0%
Each month this would be *TBC*
The 1995 NHS Pension lump sum at 57 would be *TBC*
At 57 the lump sum is reduced by 4.9%
At 57 the 1995 maximum lump sum would be *TBC*
By taking the maximum lump sum at 57 the 1995 NHS annual pension reduces to *TBC*
Each month this would be *TBC*

Taking 1995 NHS Pension at 56 years old

At 56 the yearly 1995 NHS Pension would be *TBC *
At 56 the annual pension is reduced by 15.5%
Each month this would be *TBC*
The 1995 NHS Pension lump sum at 56 would be *TBC*
At 56 the lump sum is reduced by 6.5%
At 56 the 1995 maximum lump sum would be *TBC*
By taking the maximum lump sum at 56 the 1995 NHS annual pension reduces to *TBC*
Each month this would be *TBC*

Taking 1995 NHS Pension at 55 years old

At 55 the yearly 1995 NHS Pension would be *TBC *
At 55 the annual pension is reduced by 18.8%
Each month this would be *TBC*
The 1995 NHS Pension lump sum at 55 would be *TBC*
At 55 the lump sum is reduced by 8.1%
At 55 the 1995 maximum lump sum would be *TBC*
By taking the maximum lump sum at 55 the 1995 NHS annual pension reduces to *TBC*
Each month this would be *TBC*

Taking 1995 NHS Pension at 54 years old

At 54 the yearly 1995 NHS Pension would be *TBC *
At 54 the annual pension is reduced by 21.8%
Each month this would be *TBC*
The 1995 NHS Pension lump sum at 54 would be *TBC*
At 54 the lump sum is reduced by 9.6%
At 54 the 1995 maximum lump sum would be *TBC*
By taking the maximum lump sum at 54 the 1995 NHS annual pension reduces to *TBC*
Each month this would be *TBC*

Taking 1995 NHS Pension at 53 years old

At 53 the yearly 1995 NHS Pension would be *TBC *
At 53 the annual pension is reduced by 24.6%
Each month this would be *TBC*
The 1995 NHS Pension lump sum at 53 would be *TBC*
At 53 the lump sum is reduced by 11.1%
At 53 the 1995 maximum lump sum would be *TBC*
By taking the maximum lump sum at 53 the 1995 NHS annual pension reduces to *TBC*
Each month this would be *TBC*

Taking 1995 NHS Pension at 52 years old

At 52 the yearly 1995 NHS Pension would be *TBC *
At 52 the annual pension is reduced by 27.2%
Each month this would be *TBC*
The 1995 NHS Pension lump sum at 52 would be *TBC*
At 52 the lump sum is reduced by 12.6%
At 52 the 1995 maximum lump sum would be *TBC*
By taking the maximum lump sum at 52 the 1995 NHS annual pension reduces to *TBC*
Each month this would be *TBC*

Taking 1995 NHS Pension at 51 years old

At 51 the yearly 1995 NHS Pension would be *TBC *
At 51 the annual pension is reduced by 29.6%
Each month this would be *TBC*
The 1995 NHS Pension lump sum at 51 would be *TBC*
At 51 the lump sum is reduced by 14.1%
At 51 the 1995 maximum lump sum would be *TBC*
By taking the maximum lump sum at 51 the 1995 NHS annual pension reduces to *TBC*
Each month this would be *TBC*

Taking 1995 NHS Pension at 50 years old

At 50 the yearly 1995 NHS Pension would be *TBC *
At 50 the annual pension is reduced by 31.8%
Each month this would be *TBC*
The 1995 NHS Pension lump sum at 50 would be *TBC*
At 50 the lump sum is reduced by 15.5%
At 50 the 1995 maximum lump sum would be *TBC*
By taking the maximum lump sum at 50 the 1995 NHS annual pension reduces to *TBC*
Each month this would be *TBC*

All calculations are from the 2023 NHS Early retirement paper published by NHSBSA [Source]. Maximum lump sum calculations are based on the figures provided by the NHSBSA site (i.e., multiply by 5.36 for 1995 Pension and 4.28 for 2008 and 2015 NHS Pensions [Source].)

NHS Pension Calculators (including early retirement)

1995 NHS Pension Calculator - includes calculations for retiring early;
2008 NHS Pension Calculator - includes calculations for retiring early.