Estimate the cost of increasing your 1995 Section lump sum

When you retire, if you're part of the 1995 Section you'll get an automatic lump sum as well as your annual pension. You're also able to give up even more of your annual NHS pension to increase the lump sum. In fact, up to 25% of the value of your pension can be taken tax-free and our handy calculator will help you to estimate the balance between lump sum and annual pension that's right for you.

The calculator will also show you the maximum amount of pension you may commute to increase your lump sum.

Download the Pension Commutation Calculator

Please Note: If you are a member with Special Class or MHO status this Pension Commutation Calculator will not provide an accurate projection of benefits. Please contact the Agency directly for an estimate.

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