This **1995 NHS Pension calculator ** estimates your 1995 pension entitlement at retirement. It includes estimated annual, monthly, and lump sum values. It calculates maximum lump sum and reduced pension value. It includes values for taking the 1995 NHS Pension early (from the age of 50). All values are approximate - please only use as a guide!

**For the calculator to work input relevant values into the cells below!**.

Inut in your expected annual salary at retirement. This could be more than you're on now due to changing jobs or going up an increment.

To get year and day valudes, go to your ESR portal, click on Total Reward Statement (usually on the right), select the NHS pension tab and click the 1995 section tab. Scroll to the standard benefits table and in the reckonable membership section are the years and days acrued. **Note:** Some people do not have the McCloud 7 years included in these numbers but you can add them in an out of the calcualtor to get an idea of how much you'd get if you used these years in the 1995 Pension.

**Before clicking the button below make sure you have inputted all values above**.

- 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 **

- 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 **

- 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 **

- 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 **

- 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 **

- 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 **

- 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 **

- 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 **

- 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 **

- 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 **

- 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 **