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Police pension

When the time comes to take your pension you'll need to know the facts before making any decisions. Our easy-to-use Pension Calculator tool can help you estimate your future income when you retire.  

Police Pension Calculator

Our Pension Calculator is designed to help you understand the impact that the changes to Police Pensions could have on your future income when you retire. The calculator will give an estimate of the amount you will have built up during the existing pension schemes, either the 1987 Scheme or the 2006 Scheme. It will also predict the benefits you could earn under the new pension scheme, the 2015 CARE Scheme.

If you are in the 1987 scheme with full protection and not subject to the Police Pension reforms, our Commutation Slider Tool could help you to find the perfect balance between income and lump sum.

This pension and commutation calculator is intended for illustrative purposes, is not guaranteed and does not constitute personal advice.

This calculator is intended to provide you with an illustration of the pension benefits you could expect on retiring from the police.

Please make sure you are aware of your pension scheme rules and obtain an up to date illustration from your pension administrator prior to making any decisions about your pension and retirement. 

Try Police Pension Calculator


Police Mutual asks for specific information when you complete the pension calculator. This information is used solely for the purposes of providing you with illustrative information for your own consumption. If you choose not to provide us with any of your information we may not be able to provide you with an illustration. Should you wish to understand how Police Mutual uses personal data, please read our Privacy Policy here.

Pension Calculator FAQ

The calculator results are based on existing Police Pension Scheme rules. It takes into account your length of service, the potential future rates of inflation (CPI) and, if applicable, your annual income levels for the 2015 CARE Scheme benefits. For this reason the results are intended for guidance and illustrative purposes only. In order to get a more accurate illustration we recommend you update your details in the calculator on an annual basis or get in touch with your force Pension Administrator.

There are a few things that will affect your pension income and the lump sum you could receive. These include:

  • Your length of service
  • Your final salary from the 1987 and 2006 Scheme benefits
  • Your annual income levels for the 2015 CARE Scheme benefits.

No, they don’t. It’s important to remember that an annual pension of £20,000 (as an example) paid in 10 years’ time will be worth less than £20,000 in today’s money. Please bear this is mind when considering any figures shown by the calculator.

Unfortunately not. We recommend you get in touch with your force Pension Administrator in order to have any additions included in your predicted results. This will provide you with more up-to-date and accurate figures.

Unfortunately not. We recommend you get in touch with your force Pension Administrator in order to have any additions included in your predicted results. This will provide you with more up-to-date and accurate figures.

Unfortunately not. We recommend you get in touch with your force Pension Administrator in order to have any part time service included in your predicted results. This will provide you with more up-to-date and accurate figures.

No. We will not hold onto or use any personal details that you give us.

This means that every time you use the calculator the results and prediction will be more up-to-date.

The benefits from the 2015 CARE Scheme are increased up to retirement at consumer price index (CPI) plus 1.25%.

Your final salary benefits from the 1987 and 2006 Schemes increase in line with your salary.

For these reasons the calculator shows predictions based on your salary increasing by 1%, 2% and 3% per annum.

If you retire earlier than expected or stop work due to redundancy, ill health or other reasons you may find your pension is less than you were expecting. It's therefore important to know what your pension options are, so you can make the right decisions.


You can actually choose to leave employment at any age, however Police Pension Schemes have rules regarding when your pension benefits will become payable (please refer to your pension scheme handbook). If you're retiring through ill health you may be able to take your benefits immediately.

The rules on when you can take your pension and the amount you will receive can be complicated, so it's important you contact the Police Pension Scheme provider directly to discuss your specific circumstances with them.

If you retire early you may receive a smaller pension. It's also worth bearing in mind that the monthly amount you receive may also be less to take account of the fact that your pension may need to be paid for longer.

You may find that your early retirement or redundancy means you're eligible to claim certain benefits.

To check what you could be entitled to, you may find it helpful to complete the online benefits calculator at Turn2us.

The government also provides an online benefits adviser where you can check your entitlement for certain benefits you could be missing out on

If you've stopped working through ill health and rely on the support of a family member or friend to care for you, it might also be worth checking to see if they're also entitled to make a claim.

If you are at all concerned that your pension won't cover your retirement plans it's important to get advice as early as possible. You may want to speak with a financial adviser who can look at your individual situation and assess your needs. For help finding a financial adviser you could look at unbiased.co.uk

Alternatively, you could make an appointment to see one of our independent financial advisers who specialise in dealing with the Police and will be happy to talk through your circumstances.

It may be possible to transfer benefits from pension schemes you hold through previous employments, or with other pension providers, into your Police Pension Scheme in return for what are called ‘Added Years’. This would normally be at the discretion of the Police Pension Scheme and, as such, the ability to do this is not guaranteed. If you are considering transferring a pension you hold with another provider into your Police scheme, you should speak to your Police pension administrator in the first instance.

Police Mutual are unable to assist with the transfer process. If you are considering any pension transfer you should seek independent financial advice from a firm qualified to provide such advice.

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