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{"sheet":"Contributions calculator","index":0,"n_rows":33,"n_cols":11,"rows_kept":33,"cut":false,"hidden":false,"merged":[[27,1,27,2],[28,1,28,2],[26,1,26,2],[30,1,30,6],[1,2,1,6]]}
[]
[null,null,"Teachers Additional Pension Benefit Cost Calculator"]
[null,null,"Member Details"]
[null,null,"Date of Birth:  ",null,null,null,null,null,{"$f":"IF(I9=\"Election must start before normal pension age\",\"Error\",\"\")","v":""}]
[]
[null,null,"Normal pension age*  "]
[null,null,"Prospective Normal Pension Age",{"$f":"VLOOKUP(D4,'State pension age'!B4:E50,3,TRUE)","v":65},{"$f":"IF(OR(D7=\"\",D7=0),\"\",\"Years\")","v":"Years"},{"$f":"VLOOKUP(D4,'State pension age'!B4:E50,4,TRUE)","v":0},"Months"]
[]
[null,null,"Date of AP election:  ",null,null,null,null,null,{"$f":"IF(OR(D12=\"\"),\"\",IF(D11>=Codes!E8,\"Election must start before normal pension age\",\"\"))","v":""}]
[]
[null,null,"Age at start of agreement:  ",{"$f":"IF(OR(D4=\"\",D9=\"\"),\"\",ROUNDDOWN((D9-D4+1)/365.25,0))","v":""},null,null,null,null,{"$f":"IF(D11<16,\"Error\",\"\")","v":""}]
[null,null,null,{"$f":"IF(OR(E7=\"\",D11=\"\"),\"\",Codes!E8-D11)","v":""},{"$f":"IF(D7=\"\",\"\",IF(D11=\"\",\"\",\"Years\"))","v":""}]
[]
[null,null,"Additional pension contract details"]
[null,null,"Maximum additional pension:   ",{"$f":"Codes!P14","v":""}]
[]
[null,null,"How much additional pension do you wish to purchase?  ",null,null,null,null,null,{"$f":"IF(D17>D15, \"Error\",\"\")","v":""}]
[]
[null,null,"Please select your payment method:  ",null,null,null,null,null,{"$f":"IF(D19=Codes!C2,\"\",IF(D12=1,\"Payment can only be made by lump sum\",\"\"))","v":""}]
[]
[null,null,"Regular payments over how many years?  "]
[]
[null,null,"Would you like to buy dependants benefits?  ",null,null,null,null,null,{"$f":"IF(D12<2,\"\",IF(I21=\"Error\",\"Payments can be made over a maximum of \"&D12-1&\" years\",\"\"))","v":""}]
[]
[]
[null,null,"Results"]
[null,{"$f":"IF($D$19=Codes!$C$2,\"A lump sum payment of:-\",IF($D$19=Codes!$C$3,\"Monthly payment amount:-\",\"\"))","v":""},null,{"$f":"IF(ISERROR(Codes!J20),\"\",IF(OR($D$17=\"\",Codes!J20=\"\",$I$17=\"Error\",$I$11=\"Error\"),\"\",($D$17/250)*Codes!J20))","v":""}]
[null,{"$f":"IF(D19=\"Regular contributions\",\"Annual payment amount:-\",\"\")","v":""},null,{"$f":"IF(OR(D19=\"\",D19=\"Lump sum\",D17=\"\",D21=\"\",D23=\"\",ISERROR(Codes!J20)),\"\",IF(D19=\"Regular contributions\",D27*12,\"\"))","v":""}]
[null,{"$f":"IF(D19=\"Regular contributions\",\"Total amount payable over selected period:-\",\"\")","v":""},null,{"$f":"IF(OR(D19=\"\",D19=\"Lump sum\",D21=\"\",D23=\"\",D17=\"\",ISERROR(Codes!J20)),\"\",IF(D19=\"Regular contributions\",D28*D21,\"\"))","v":""}]
[]
[null,"Notes:\n\n*For protected scheme members and scheme members still covered by tapered protection the payable age for your election will be the same as your scheme pension age (60 or 65). All other members should use their state pension age to calculate the cost of additional pension. \n\nAdditional pension must be bought in multiples of £250. Therefore the minimum amount available to purchase is £250.  \n\nThe maximum amount for each scheme is:\n• Scottish Teachers Superannuation Scheme (Scotland)   £6800\n• Teachers Pension Scheme (Scotland) 2015   £7000"]
[]
[null,null,null,null,null,null,null,null,null,null,"Updated December 2023"]

{"sheet":"Printable estimate","index":1,"n_rows":28,"n_cols":5,"rows_kept":28,"cut":false,"hidden":true,"merged":[[27,1,27,5],[2,1,2,5]]}
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[]
[null,"Illustration of additional pension benefit cost"]
[]
[null,"Your details"]
[null,"Date of Birth:",null,{"$f":"'Contributions calculator'!D4","v":"00:00:00"}]
[]
[null,"Normal pension age:",null,{"$f":"IF(Codes!F8>0,Codes!E8&\" years\",Codes!E8)","v":"65 years"},{"$f":"IF(Codes!F8>0,Codes!F8&\" months\",\"\")","v":" months"}]
[]
[null,"Date of election:",null,{"$f":"'Contributions calculator'!D9","v":"00:00:00"}]
[]
[null,"Age at start of agreement:",null,{"$f":"'Contributions calculator'!D11","v":""}]
[]
[]
[null,"Your input data"]
[]
[null,"Amount elected to purchase:",null,{"$f":"'Contributions calculator'!D17","v":0}]
[]
[null,"Payment method:",null,{"$f":"IF('Contributions calculator'!D19=\"Regular contributions\",\"Regular contributions over \"&'Contributions calculator'!D21&\" years\",\"Lump sum\")","v":"Lump sum"}]
[]
[null,"Covered for family benefits?",null,{"$f":"IF('Contributions calculator'!D23=Codes!D2,\"No\",IF('Contributions calculator'!D23=Codes!D3,\"Yes\"))","v":false}]
[]
[null,"Your estimated cost"]
[null,{"$f":"'Contributions calculator'!B27","v":""},null,{"$f":"'Contributions calculator'!D27","v":""}]
[null,{"$f":"'Contributions calculator'!B28","v":""},null,{"$f":"'Contributions calculator'!D28","v":""}]
[null,{"$f":"'Contributions calculator'!B29","v":""},null,{"$f":"'Contributions calculator'!D29","v":""}]
[]
[null,"This calculation is intended for illustrative purposes only. This is not a statement of you legal entitlement. To obtain actual costs please contact SPPA. While every care has been taken in the preperation of this calculator the Scottish Public Pensions Agency will accept no responsibility for the accuracy of the ionformation it provides.\n\nPlease refer to pages on the SPPA website for points of contact and other benefits available."]

{"sheet":"Guidance notes","index":2,"n_rows":39,"n_cols":6,"rows_kept":39,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Additional Pension guidance notes"]
[null,"Disclaimer:\nThis calculation is intended for illustrative purposes only. This is not a statement of you legal entitlement. While every care has been taken in the preparation of this calculator the Scottish Public Pension Agency will accept no responsibility for the accuracy of the information it provides.\n\nPlease refer to pages on the SPPA website for points of contact and other benefits available."]
[null,"Using the calculator\nYou must be a contributing member of the Scottish Teachers Pension Scheme 2015 if you wish to purchase additional pension.\n\nAdditional pension benefits will be paid with your scheme retirement benefits and will be index linked.\n\nThe cost of purchasing depends on your age and the amount of additional pension you wish to receive.\n\nThere are two ways you can pay for AP. You can pay by having regular deductions taken from your monthly salary or by paying a one off lump sum.\n\nAdditional pension must be bought in multiples of £250. Therefore the minimum amount available to purchase is £250.\n\nThe maximum for each scheme is:\n\n• Scottish Teachers Superannuation Scheme  £6800\n• Scottish Teachers Pension Scheme 2015  £7000"]
[null,"SPPA\n7 Tweedside Park\nGalashiels\nTD1 3TE                         Telephone: 01896 893000"]
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[null,null,null,null,null,"G"]

{"sheet":"Codes","index":3,"n_rows":231,"n_cols":16,"rows_kept":231,"cut":false,"hidden":true,"merged":[[5,4,5,5]]}
[null,"DOB between","Payment","Form of AP","NPA Options","Lump sum table",null,null,"AP Table results"]
[null,{"$f":"TODAY()-365.25*85","v":"1939-06-04T18:00:00"},"Lump Sum","Member only",60,{"$f":"IF('Contributions calculator'!J6=60,\"APS60\",IF('Contributions calculator'!J6=65,\"APS65\",IF('Contributions calculator'!J6=\"SPA\",\"APS\"&'Contributions calculator'!D7,\"\")))","v":""},null,"APS60","Lump sum NPA 60",{"$f":"IF('Contributions calculator'!D23=Codes!D2,VLOOKUP('Contributions calculator'!D11,'Lump Sum'!B9:D60,2,FALSE),IF('Contributions calculator'!D23=Codes!D3,VLOOKUP('Contributions calculator'!D11,'Lump Sum'!B9:D60,3,FALSE),\"\"))","v":""}]
[null,{"$f":"TODAY()-365.25*18","v":"2006-06-04T12:00:00"},{"$f":"IF(OR('Contributions calculator'!D12=0,'Contributions calculator'!D12=1),\"\",\"Regular contributions\")","v":"Regular contributions"},"Member and dependant",65,null,null,"APS65","Lump sum NPA 65",{"$f":"IF('Contributions calculator'!D23=Codes!D2,VLOOKUP('Contributions calculator'!D11,'Lump Sum'!F9:H60,2,FALSE),IF('Contributions calculator'!D23=Codes!D3,VLOOKUP('Contributions calculator'!D11,'Lump Sum'!F9:H60,3,FALSE),\"\"))","v":""}]
[null,null,null,null,"State Pension Age",null,null,"APS66","Lump sum NPA 66",{"$f":"IF('Contributions calculator'!D23=Codes!D2,VLOOKUP('Contributions calculator'!D11,'Lump Sum'!J9:L60,2,FALSE),IF('Contributions calculator'!D23=Codes!D3,VLOOKUP('Contributions calculator'!D11,'Lump Sum'!J9:L60,3,FALSE),\"\"))","v":""}]
[null,null,null,null,null,null,null,"APS67","Lump sum NPA 67",{"$f":"IF('Contributions calculator'!D23=Codes!D2,VLOOKUP('Contributions calculator'!D11,'Lump Sum'!N9:P60,2,FALSE),IF('Contributions calculator'!D23=Codes!D3,VLOOKUP('Contributions calculator'!D11,'Lump Sum'!N9:P60,3,FALSE),\"\"))","v":""}]
[null,"Yes/No","Years (N)",null,"Chosen NPA",null,null,"APS68","Lump sum NPA 68",{"$f":"IF('Contributions calculator'!D23=Codes!D2,VLOOKUP('Contributions calculator'!D11,'Lump Sum'!R9:T60,2,FALSE),IF('Contributions calculator'!D23=Codes!D3,VLOOKUP('Contributions calculator'!D11,'Lump Sum'!R9:T60,3,FALSE),\"\"))","v":""}]
[null,"Yes",0,null,"Years","Months",null,"P60","Regular conts for personal AP of £250 with PNPA 60",{"$f":"INDEX('NRA60'!$W$6:$AQ$58,MATCH('Contributions calculator'!$D$11,'NRA60'!$W$6:$W$58,0),MATCH('Contributions calculator'!$D$21,'NRA60'!$W$6:$AQ$6,0))","v":{"$error":"#N/A"}}]
[null,"No",{"$f":"IF(OR('Contributions calculator'!D7=66,'Contributions calculator'!D7=67,'Contributions calculator'!D7=68),1,\"\")","v":""},null,{"$f":"IF('Contributions calculator'!J6=60,60,IF('Contributions calculator'!J6=65,65,IF(OR('Contributions calculator'!J6=\"SPA\",'Contributions calculator'!J6=\"\"),'Contributions calculator'!D7,\"\")))","v":65},{"$f":"IF('Contributions calculator'!J6=60,0,IF('Contributions calculator'!J6=65,0,IF('Contributions calculator'!J6=\"SPA\",'Contributions calculator'!F7,\"\")))","v":""},null,"P65","Regular conts for personal AP of £250 with PNPA 65",{"$f":"INDEX('NRA65'!$W$6:$AQ$58,MATCH('Contributions calculator'!$D$11,'NRA65'!$W$6:$W$58,0),MATCH('Contributions calculator'!$D$21,'NRA65'!$W$6:$AQ$6,0))","v":{"$error":"#N/A"}}]
[null,null,{"$f":"IF(OR('Contributions calculator'!D7=67,'Contributions calculator'!D7=68),2,\"\")","v":""},null,null,null,null,"P66","Regular conts for personal AP of £250 with PNPA 66",{"$f":"INDEX('NRA66'!$W$6:$AQ$58,MATCH('Contributions calculator'!$D$11,'NRA66'!$W$6:$W$58,0),MATCH('Contributions calculator'!$D$21,'NRA66'!$W$6:$AQ$6,0))","v":{"$error":"#N/A"}}]
[null,null,{"$f":"IF(OR('Contributions calculator'!D7=68),3,\"\")","v":""},null,null,null,null,"P67","Regular conts for personal AP of £250 with PNPA 67",{"$f":"INDEX('NRA67'!$W$6:$AQ$58,MATCH('Contributions calculator'!$D$11,'NRA67'!$W$6:$W$58,0),MATCH('Contributions calculator'!$D$21,'NRA67'!$W$6:$AQ$6,0))","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,"P68","Regular conts for personal AP of £250 with PNPA 68",{"$f":"INDEX('NRA68'!$W$6:$AQ$58,MATCH('Contributions calculator'!$D$11,'NRA68'!$W$6:$W$58,0),MATCH('Contributions calculator'!$D$21,'NRA68'!$W$6:$AQ$6,0))","v":{"$error":"#N/A"}},null,null,"AP Limits"]
[null,"Existing AP","AP Available","Contribution period",null,null,null,"D60","Regular conts for personal AP of £250 with PNPA 60 + dependants AP",{"$f":"INDEX('NRA60'!$A$6:$U$58,MATCH('Contributions calculator'!$D$11,'NRA60'!$A$6:$A$58,0),MATCH('Contributions calculator'!$D$21,'NRA60'!$A$6:$U$6,0))","v":{"$error":"#N/A"}},null,null,"• Scottish Teacgers Superannuation Scheme (Scotland)",null,null,6800]
[null,0,{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",250)","v":""},1,null,null,null,"D65","Regular conts for personal AP of £250 with PNPA 65 + dependants AP",{"$f":"INDEX('NRA65'!$A$6:$U$58,MATCH('Contributions calculator'!$D$11,'NRA65'!$A$6:$A$58,0),MATCH('Contributions calculator'!$D$21,'NRA65'!$A$6:$U$6,0))","v":{"$error":"#N/A"}},null,null,"• Teachers Pension Scheme (Scotland) 2013",null,null,7000]
[null,{"$f":"IF(B13<(Codes!$P$14),Codes!B13+250,\"\")","v":250},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C13<('Contributions calculator'!$D$15-249),Codes!C13+250,\"\"))","v":""},{"$f":"IF(D13=\"\",\"\",IF(Codes!D13+1<'Contributions calculator'!$D$12,Codes!D13+1,\"\"))","v":2},null,null,null,"D66","Regular conts for personal AP of £250 with PNPA 66 + dependants AP",{"$f":"INDEX('NRA66'!$A$6:$U$58,MATCH('Contributions calculator'!$D$11,'NRA66'!$A$6:$A$58,0),MATCH('Contributions calculator'!$D$21,'NRA66'!$A$6:$U$6,0))","v":{"$error":"#N/A"}},null,null,null,null,"Applicable Limit",{"$f":"IF(OR('Contributions calculator'!J6=60,'Contributions calculator'!J6=65),Codes!P12,IF('Contributions calculator'!J6=\"SPA\",Codes!P13,\"\"))","v":""}]
[null,{"$f":"IF(B14<(Codes!$P$14),Codes!B14+250,\"\")","v":500},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C14<('Contributions calculator'!$D$15-249),Codes!C14+250,\"\"))","v":""},{"$f":"IF(D14=\"\",\"\",IF(Codes!D14+1<'Contributions calculator'!$D$12,Codes!D14+1,\"\"))","v":3},null,null,null,"D67","Regular conts for personal AP of £250 with PNPA 67 + dependants AP",{"$f":"INDEX('NRA67'!$A$6:$U$58,MATCH('Contributions calculator'!$D$11,'NRA67'!$A$6:$A$58,0),MATCH('Contributions calculator'!$D$21,'NRA67'!$A$6:$U$6,0))","v":{"$error":"#N/A"}}]
[null,{"$f":"IF(B15<(Codes!$P$14),Codes!B15+250,\"\")","v":750},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C15<('Contributions calculator'!$D$15-249),Codes!C15+250,\"\"))","v":""},{"$f":"IF(D15=\"\",\"\",IF(Codes!D15+1<'Contributions calculator'!$D$12,Codes!D15+1,\"\"))","v":4},null,null,null,"D68","Regular conts for personal AP of £250 with PNPA 68 + dependants AP",{"$f":"INDEX('NRA68'!$A$6:$U$58,MATCH('Contributions calculator'!$D$11,'NRA68'!$A$6:$A$58,0),MATCH('Contributions calculator'!$D$21,'NRA68'!$A$6:$U$6,0))","v":{"$error":"#N/A"}}]
[null,{"$f":"IF(B16<(Codes!$P$14),Codes!B16+250,\"\")","v":1000},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C16<('Contributions calculator'!$D$15-249),Codes!C16+250,\"\"))","v":""},{"$f":"IF(D16=\"\",\"\",IF(Codes!D16+1<'Contributions calculator'!$D$12,Codes!D16+1,\"\"))","v":5}]
[null,{"$f":"IF(B17<(Codes!$P$14),Codes!B17+250,\"\")","v":1250},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C17<('Contributions calculator'!$D$15-249),Codes!C17+250,\"\"))","v":""},{"$f":"IF(D17=\"\",\"\",IF(Codes!D17+1<'Contributions calculator'!$D$12,Codes!D17+1,\"\"))","v":6},null,null,null,null,{"$f":"IF(AND('Contributions calculator'!D19=C3,'Contributions calculator'!F7<>0),\"Relevent tables are \"&H27&\" & \"&H28,\"Relevent table is \"&H27&\"\")","v":"Relevent table is 65"}]
[null,{"$f":"IF(B18<(Codes!$P$14),Codes!B18+250,\"\")","v":1500},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C18<('Contributions calculator'!$D$15-249),Codes!C18+250,\"\"))","v":""},{"$f":"IF(D18=\"\",\"\",IF(Codes!D18+1<'Contributions calculator'!$D$12,Codes!D18+1,\"\"))","v":7}]
[null,{"$f":"IF(B19<(Codes!$P$14),Codes!B19+250,\"\")","v":1750},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C19<('Contributions calculator'!$D$15-249),Codes!C19+250,\"\"))","v":""},{"$f":"IF(D19=\"\",\"\",IF(Codes!D19+1<'Contributions calculator'!$D$12,Codes!D19+1,\"\"))","v":8},null,null,null,null,"Cost of £250 of AP",{"$f":"IF(H28=\"\",I27,((I28-I27)*I25+I27))","v":{"$error":"#N/A"}}]
[null,{"$f":"IF(B20<(Codes!$P$14),Codes!B20+250,\"\")","v":2000},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C20<('Contributions calculator'!$D$15-249),Codes!C20+250,\"\"))","v":""},{"$f":"IF(D20=\"\",\"\",IF(Codes!D20+1<'Contributions calculator'!$D$12,Codes!D20+1,\"\"))","v":9}]
[null,{"$f":"IF(B21<(Codes!$P$14),Codes!B21+250,\"\")","v":2250},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C21<('Contributions calculator'!$D$15-249),Codes!C21+250,\"\"))","v":""},{"$f":"IF(D21=\"\",\"\",IF(Codes!D21+1<'Contributions calculator'!$D$12,Codes!D21+1,\"\"))","v":10},null,null,null,null,"Interpolation for monthly contributions for non-integer NPA"]
[null,{"$f":"IF(B22<(Codes!$P$14),Codes!B22+250,\"\")","v":2500},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C22<('Contributions calculator'!$D$15-249),Codes!C22+250,\"\"))","v":""},{"$f":"IF(D22=\"\",\"\",IF(Codes!D22+1<'Contributions calculator'!$D$12,Codes!D22+1,\"\"))","v":11}]
[null,{"$f":"IF(B23<(Codes!$P$14),Codes!B23+250,\"\")","v":2750},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C23<('Contributions calculator'!$D$15-249),Codes!C23+250,\"\"))","v":""},{"$f":"IF(D23=\"\",\"\",IF(Codes!D23+1<'Contributions calculator'!$D$12,Codes!D23+1,\"\"))","v":12},null,null,null,"NPA:",{"$f":"E8&\" Years \"&F8&\" months\"","v":"65 Years  months"}]
[null,{"$f":"IF(B24<(Codes!$P$14),Codes!B24+250,\"\")","v":3000},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C24<('Contributions calculator'!$D$15-249),Codes!C24+250,\"\"))","v":""},{"$f":"IF(D24=\"\",\"\",IF(Codes!D24+1<'Contributions calculator'!$D$12,Codes!D24+1,\"\"))","v":13},null,null,null,"Part years",{"$f":"'Contributions calculator'!F7/12","v":0}]
[null,{"$f":"IF(B25<(Codes!$P$14),Codes!B25+250,\"\")","v":3250},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C25<('Contributions calculator'!$D$15-249),Codes!C25+250,\"\"))","v":""},{"$f":"IF(D25=\"\",\"\",IF(Codes!D25+1<'Contributions calculator'!$D$12,Codes!D25+1,\"\"))","v":14}]
[null,{"$f":"IF(B26<(Codes!$P$14),Codes!B26+250,\"\")","v":3500},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C26<('Contributions calculator'!$D$15-249),Codes!C26+250,\"\"))","v":""},{"$f":"IF(D26=\"\",\"\",IF(Codes!D26+1<'Contributions calculator'!$D$12,Codes!D26+1,\"\"))","v":15},null,null,null,{"$f":"IF('Contributions calculator'!D19=Codes!C2,F2,IF('Contributions calculator'!D23=D2,\"P\",IF('Contributions calculator'!D23=D3,\"D\",\"\"))&Codes!E8)","v":"65"},{"$f":"VLOOKUP(H27,H2:J16,3,FALSE)","v":{"$error":"#N/A"}}]
[null,{"$f":"IF(B27<(Codes!$P$14),Codes!B27+250,\"\")","v":3750},{"$f":"IF('Contributions calculator'!$D$15=\"\",\"\",IF(C27<('Contributions calculator'!$D$15-249),Codes!C27+250,\"\"))","v":""},{"$f":"IF(D27=\"\",\"\",IF(Codes!D27+1<'Contributions calculator'!$D$12,Codes!D27+1,\"\"))","v":16},null,null,null,{"$f":"IF(OR(F8=\"\",F8=0),\"\",\nIF(AND('Contributions calculator'!D19=\"Regular contributions\",'Contributions calculator'!D23=D2),\"P\"&E8+1,\nIF(AND('Contributions calculator'!D19=\"Regular contributions\",'Contributions calculator'!D23=D3),\"D\"&E8+1,\nIF(AND('Contributions calculator'!D19=\"Lump Sum\"),\"APS\"&E8+1,\"\")\n)))","v":""},{"$f":"VLOOKUP(H28,H4:J16,3,FALSE)","v":{"$error":"#N/A"}}]
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[null,null,null,null,null,null,"Lump Sum Elections",null,null,"Date Factors Issued to Client","2023-10-17"]
[]
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[]
[null,"Table APS60: NPA 60, STSS",null,null,null,"Table APS65: NPA 65, STSS and STPS",null,null,null,"Table APS66: NPA 66, STPS",null,null,null,"Table APS67: NPA 67, STPS",null,null,null,"Table APS68: NPA 68, STPS"]
[]
[null,"Benefits","Personal","Personal and dependant's",null,"Benefits","Personal","Personal and dependant's",null,"Benefits","Personal","Personal and dependant's",null,"Benefits","Personal","Personal and dependant's",null,"Benefits","Personal","Personal and dependant's"]
[null,"Age when notice of election given","Single premium to purchase £250 of APB at date of election, £",null,null,"Age when notice of election given","Single premium to purchase £250 of APB at date of election, £",null,null,"Age when notice of election given","Single premium to purchase £250 of AP at date of election, £",null,null,"Age when notice of election given","Single premium to purchase £250 of AP at date of election, £",null,null,"Age when notice of election given","Single premium to purchase £250 of AP at date of election, £"]
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[null,21,null,null,null,21,2550,2760,null,21,2440,2660,null,21,2340,2550,null,21,2240,2450]
[null,22,null,null,null,22,2580,2800,null,22,2480,2690,null,22,2370,2590,null,22,2270,2490]
[null,23,null,null,null,23,2620,2840,null,23,2510,2730,null,23,2410,2630,null,23,2300,2530]
[null,24,null,null,null,24,2660,2890,null,24,2550,2770,null,24,2440,2670,null,24,2340,2560]
[null,25,null,null,null,25,2700,2930,null,25,2590,2820,null,25,2480,2710,null,25,2370,2600]
[null,26,null,null,null,26,2740,2970,null,26,2620,2860,null,26,2510,2750,null,26,2400,2640]
[null,27,null,null,null,27,2780,3010,null,27,2660,2900,null,27,2550,2790,null,27,2440,2680]
[null,28,null,null,null,28,2820,3060,null,28,2700,2940,null,28,2590,2830,null,28,2470,2720]
[null,29,null,null,null,29,2860,3100,null,29,2740,2980,null,29,2620,2870,null,29,2510,2750]
[null,30,null,null,null,30,2900,3150,null,30,2780,3030,null,30,2660,2910,null,30,2550,2790]
[null,31,null,null,null,31,2940,3190,null,31,2820,3070,null,31,2700,2950,null,31,2580,2830]
[null,32,null,null,null,32,2990,3240,null,32,2860,3120,null,32,2740,2990,null,32,2620,2870]
[null,33,null,null,null,33,3030,3290,null,33,2900,3160,null,33,2780,3040,null,33,2660,2920]
[null,34,null,null,null,34,3080,3340,null,34,2940,3210,null,34,2820,3080,null,34,2690,2960]
[null,35,null,null,null,35,3120,3380,null,35,2990,3250,null,35,2860,3120,null,35,2730,3000]
[null,36,null,null,null,36,3170,3430,null,36,3030,3300,null,36,2900,3170,null,36,2770,3040]
[null,37,null,null,null,37,3210,3480,null,37,3070,3350,null,37,2940,3210,null,37,2810,3080]
[null,38,null,null,null,38,3260,3530,null,38,3120,3390,null,38,2980,3260,null,38,2850,3130]
[null,39,null,null,null,39,3300,3580,null,39,3160,3440,null,39,3020,3300,null,39,2890,3170]
[null,40,null,null,null,40,3350,3630,null,40,3210,3490,null,40,3070,3350,null,40,2930,3210]
[null,41,null,null,null,41,3400,3690,null,41,3250,3540,null,41,3110,3400,null,41,2970,3260]
[null,42,null,null,null,42,3450,3740,null,42,3300,3590,null,42,3160,3440,null,42,3020,3300]
[null,43,null,null,null,43,3500,3790,null,43,3350,3640,null,43,3200,3490,null,43,3060,3350]
[null,44,null,null,null,44,3550,3840,null,44,3400,3690,null,44,3250,3540,null,44,3100,3400]
[null,45,null,null,null,45,3600,3900,null,45,3440,3740,null,45,3290,3590,null,45,3140,3440]
[null,46,null,null,null,46,3650,3950,null,46,3490,3790,null,46,3340,3640,null,46,3190,3490]
[null,47,null,null,null,47,3700,4010,null,47,3540,3840,null,47,3380,3690,null,47,3230,3530]
[null,48,null,null,null,48,3760,4060,null,48,3590,3900,null,48,3430,3740,null,48,3270,3580]
[null,49,null,null,null,49,3810,4120,null,49,3640,3950,null,49,3480,3790,null,49,3320,3630]
[null,50,null,null,null,50,3860,4170,null,50,3690,4000,null,50,3520,3830,null,50,3360,3670]
[null,51,null,null,null,51,3910,4230,null,51,3740,4050,null,51,3570,3880,null,51,3400,3720]
[null,52,null,null,null,52,3970,4290,null,52,3790,4110,null,52,3620,3930,null,52,3450,3770]
[null,53,null,null,null,53,4020,4340,null,53,3840,4160,null,53,3660,3980,null,53,3490,3810]
[null,54,null,null,null,54,4080,4400,null,54,3890,4210,null,54,3710,4030,null,54,3540,3860]
[null,55,null,null,null,55,4140,4460,null,55,3950,4270,null,55,3760,4090,null,55,3580,3910]
[null,56,null,null,null,56,4190,4520,null,56,4000,4330,null,56,3810,4140,null,56,3630,3960]
[null,57,null,null,null,57,4250,4580,null,57,4060,4380,null,57,3860,4190,null,57,3680,4000]
[null,58,null,null,null,58,4320,4640,null,58,4110,4440,null,58,3920,4250,null,58,3730,4060]
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{"sheet":"NRA60","index":6,"n_rows":55,"n_cols":43,"rows_kept":55,"cut":false,"hidden":true,"merged":[[4,1,4,20],[4,23,4,42]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date Factors Issued to Client","2023-10-17"]
["Regular Contribution Elections made after 31 March 2011",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regular Contribution Elections made after 31 March 2011"]
["Table D60: Personal and Dependant's Benefits, NRA 60",null,null,null,null,null,null,null,null,null,null,"x-707",null,null,null,null,null,null,null,null,null,null,"Table P60: Personal Benefits, NRA 60 ",null,null,null,null,null,null,"x-706"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date Factors Issued to Client","2023-10-17"]
["Regular Contribution Elections",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regular Contribution Elections"]
["Table D65: Personal and Dependant’s Benefits, NRA 65",null,null,null,null,null,null,null,null,null,"x-709",null,null,null,null,null,null,null,null,null,null,null,"Table P65: Personal Benefits, NRA 65 ",null,null,null,null,null,null,null,null,null,null,"x-708"]
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{"sheet":"NRA66","index":8,"n_rows":56,"n_cols":43,"rows_kept":56,"cut":false,"hidden":true,"merged":[[4,1,4,20],[4,23,4,42]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date Factors Issued to Client","2023-10-17"]
["Regular Contribution Elections",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regular Contribution Elections"]
["Table D66: Personal and Dependant’s Benefits, NRA 66",null,null,null,null,null,null,null,null,"x-711",null,null,null,null,null,null,null,null,null,null,null,null,"Table P66: Personal Benefits, NRA 66 ",null,null,null,null,null,"x-710"]
[]
["Age when notice of election given\nâ","Monthly contribution to purchase £250 of APB at date of election, £",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Age when notice of election given\nâ","Monthly contribution to purchase £250 of APB at date of election, £"]
["Payment period (in years) à",1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,null,"Payment period (in years) à",1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20]
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{"sheet":"NRA67","index":9,"n_rows":57,"n_cols":43,"rows_kept":57,"cut":false,"hidden":true,"merged":[[4,1,4,20],[4,23,4,42]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date Factors Issued to Client","2023-10-17"]
["Regular Contribution Elections",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regular Contribution Elections"]
["Table D67: Personal and Dependant’s Benefits, NRA 67",null,null,null,null,null,null,null,null,"x-713",null,null,null,null,null,null,null,null,null,null,null,null,"Table P67: Personal Benefits, NRA 67 ",null,null,null,null,null,null,null,"x-712"]
[]
["Age when notice of election given\nâ","Monthly contribution to purchase £250 of APB at date of election, £",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Age when notice of election given\nâ","Monthly contribution to purchase £250 of APB at date of election, £"]
["Payment period (in years) à",1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,null,"Payment period (in years) à",1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20]
[16,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16]
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[]
["Regular Contribution Elections",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regular Contribution Elections"]
["Table D68: Personal and Dependant’s Benefits, NRA 68",null,null,null,null,null,null,null,"x-715",null,null,null,null,null,null,null,null,null,null,null,null,null,"Table P68: Personal Benefits, NRA 68 ",null,null,null,null,null,"x-714"]
[]
["Age when notice of election given\nâ","Monthly contribution to purchase £250 of APB at date of election, £",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Age when notice of election given\nâ","Monthly contribution to purchase £250 of APB at date of election, £"]
["Payment period (in years) à",1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,null,"Payment period (in years) à",1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20]
[16,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16]
[17,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,17]
[18,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,18]
[19,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,19]
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{"sheet":"ERF","index":11,"n_rows":25,"n_cols":16,"rows_kept":25,"cut":false,"hidden":true,"merged":[[1,0,1,13],[2,0,2,13],[3,0,3,13],[4,0,4,13],[5,0,5,12]]}
[null,null,null,null,null,null,null,null,null,null,null,null,"Date Factors Issued to Client","2023-06-30"]
["TABLE ERF1_NHSSS_2015"]
["NHS SUPERANNUATION SCHEME SCOTLAND (2015): ACTUARIAL FACTORS"]
["BENEFITS PAYABLE TO THE MEMBER ON VOLUNTARY EARLY RETIREMENT (WITH ACTUARIAL REDUCTION)"]
["FACTORS APPLICABLE TO MAIN SCHEME PENSION AND ADDITIONAL PENSION"]
["PENSION FACTORS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"x-408"]
["Time to NPA: Monthsà\nYears â",0,1,2,3,4,5,6,7,8,9,10,11]
[0,1,0.998,0.99299999999999999,0.98899999999999999,0.98399999999999999,0.98,0.97599999999999998,0.97099999999999997,0.96699999999999997,0.96199999999999997,0.95799999999999996,0.95299999999999996]
[1,0.94899999999999995,0.94499999999999995,0.94099999999999995,0.93700000000000006,0.93300000000000005,0.92900000000000005,0.92400000000000004,0.92,0.91600000000000004,0.91200000000000003,0.90800000000000003,0.90400000000000003]
[2,0.9,0.89600000000000002,0.89300000000000002,0.88900000000000001,0.88500000000000001,0.88100000000000001,0.878,0.874,0.87,0.86699999999999999,0.86299999999999999,0.85899999999999999]
[3,0.85499999999999998,0.85199999999999998,0.84799999999999998,0.84499999999999997,0.84199999999999997,0.83799999999999997,0.83499999999999996,0.83099999999999996,0.82799999999999996,0.82499999999999996,0.82099999999999995,0.81799999999999995]
[4,0.81399999999999995,0.81100000000000005,0.80800000000000005,0.80500000000000005,0.80200000000000005,0.79800000000000004,0.79500000000000004,0.79200000000000004,0.78900000000000003,0.78600000000000003,0.78300000000000003,0.78]
[5,0.77600000000000002,0.77300000000000002,0.77,0.76800000000000002,0.76500000000000001,0.76200000000000001,0.75900000000000001,0.75600000000000001,0.753,0.75,0.747,0.74399999999999999]
[6,0.74099999999999999,0.73899999999999999,0.73599999999999999,0.73299999999999998,0.73,0.72799999999999998,0.72499999999999998,0.72199999999999998,0.72,0.71699999999999997,0.71399999999999997,0.71199999999999997]
[7,0.70899999999999996,0.70599999999999996,0.70399999999999996,0.70099999999999996,0.69899999999999995,0.69599999999999995,0.69399999999999995,0.69099999999999995,0.68899999999999995,0.68600000000000005,0.68400000000000005,0.68100000000000005]
[8,0.67900000000000005,0.67600000000000005,0.67400000000000004,0.67200000000000004,0.66900000000000004,0.66700000000000004,0.66500000000000004,0.66200000000000003,0.66,0.65800000000000003,0.65500000000000003,0.65300000000000002]
[9,0.65100000000000002,0.64800000000000002,0.64600000000000002,0.64400000000000002,0.64200000000000002,0.64,0.63800000000000001,0.63500000000000001,0.63300000000000001,0.63100000000000001,0.629,0.627]
[10,0.625,0.622,0.62,0.61799999999999999,0.61599999999999999,0.61399999999999999,0.61199999999999999,0.61,0.60799999999999998,0.60599999999999998,0.60399999999999998,0.60199999999999998]
[11,0.6,0.59799999999999998,0.59599999999999997,0.59399999999999997,0.59199999999999997,0.59099999999999997,0.58899999999999997,0.58699999999999997,0.58499999999999996,0.58299999999999996,0.58099999999999996,0.57899999999999996]
[12,0.57699999999999996,0.57499999999999996,0.57399999999999995,0.57199999999999995,0.56999999999999995,0.56799999999999995,0.56599999999999995,0.56499999999999995,0.56299999999999994,0.56100000000000005,0.55900000000000005,0.55800000000000005]
[13,0.53100000000000003]
[]
["  Notes: ","(1) NPA should be substituted for RRA where appropriate"]
["             ","(2) AP should be pro-rated to take account of unpaid contributions at date of retirement. Any paid up AP entitlement should include PI to DOR"]
[null,"(3) The appropriate factor is based on the period between DOR and NPA (or RRA) in years and months, rounded up to the next higher month.  "]