What's Your Pension Worth?

Please use the calculator below to estimate the value of your pension. All you need to know to do this is your salary and the length of time you have been in the pension scheme. The regulations changed in 2008 so you will have to split the number of years between pre and post 2008 service if this applies to you.

You can also use this calculator to estimate the value of your benefits when you come to retire. For this you will have to use the salary you think you will be on at that future date.

Remember this is just an estimate only. If you wanted to run calculations using the information we hold for you then you will need to register for the secure section of the website. This will enable you to view your individual financial and personal information.

Please see the part time workers section for more information on part time working and the effect on pension calculations

You will see below that some of your annual pension can be swapped for a cash free lump sum You can take the standard package, the maximum tax-free cash, or anything in between.

LGPS calculator
  • monthly yearly
  • years days
  • years days
The standard package of benefits
The maximum tax-free cash available


  • This calculator uses the standard LGPS 'exchange rate' of 1:12 for swapping pension for lump-sum. In other words every £1 of pension you give up gets you £12 of lump-sum.
  • This ignores any AVCs you may have.
  • This form does not take account of any reductions that may apply due to early retirement before age 65 or any enhancements that may be awarded due to ill-health.