How to calculate your benefits

To estimate the value of your Firefighters’ pension scheme benefits on any retirement date selected by you, just download our handy calculator.

It's a Microsoft Excel file and should cover the needs* of members of members of the various Scottish Firefighters’ pension schemes other than members of the Retained Firefighters’ Modified Pension Scheme. The calculator also accommodates members who have benefits in more than one scheme. When you use the calculator you'll get:

  • an illustration of benefits, in today's money terms, that may become payable at a retirement date selected by you
  • a description of the benefits payable for each scheme you've been a member of
  • an estimate of the maximum lump sum that could be payable
  • a printable copy of your personal illustration.

You may find it useful to have your most recent Annual Benefit Statement available while you're using the calculator.

Please note that the illustration is not a guarantee, nor is the calculator intended to provide you with financial advice. If you require financial advice, you should contact an independent financial adviser.

*The calculator does not cover: the effect of pensions tax charges on your benefits; information about any optional benefits such as additional pension and additional voluntary contributions; survivor benefits payable in the event of your death.

2015 Remedy calculations

We are dependent on the necessary legislation being in place to be able to offer a dual calculation and comparison between legacy and CARE scheme benefits for members who are affected by the 2015 Remedy. We are currently developing an online tool that eligible members can use to model and compare benefits between the legacy and CARE scheme. As soon as this becomes available, we will communicate to members via our website and your employer.

Technical support

Note that the Microsoft Excel file type may not be compatible with devices that don't support Microsoft products and may not work if you don't have access to an application that can read this type of file. If you have any issues with the Firefighters' Pension Calculator, please email us.

Download the Firefighters’ Pension Calculator

Further reading

Firefighters’ Pension Calculator FAQs

Glossary of commonly used terms.

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