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Civil Service pension calculator
Start from the alpha pension on your MyCSP statement. Each year you keep paying in adds 2.32% of your pay, and what you have built rises with inflation. Everything is in today’s money.
Now see it beside everything else
Your Civil Service pension is one piece. Isaac adds your State Pension, other pensions, savings and spending, takes off tax, and shows how long your money lasts.
- Each Civil Service section with its own pension age
- Taking it early, at the pension age or later, compared
- Plan as a couple, with your partner’s pensions too
- Free to start. No card. iPhone, Android and web
- Each year adds
- 2.32% of that year’s pensionable pay
- Revalued by
- inflation (CPI) while you pay in, then inflation after you leave
- Paid in full from
- your State Pension age
- Tax-free cash
- Optional: £12 for every £1 a year of pension given up
Everything is in today’s money. Taking the pension before the age above reduces it for each year it’s paid early; the scheme’s own factors set by how much.
How this calculator works
It starts from the pension you have already built up, from your latest statement. Each year until you stop paying in, it adds 2.32% of that year’s pay and revalues everything so far by inflation (CPI). After you stop, the pension keeps pace with inflation until it is paid. All figures are in today’s money, so a pound in the answer buys what a pound buys now.
If you were in classic, classic plus, premium or nuvos, the McCloud remedy moved your service from April 2015 to March 2022 back into that scheme. This calculator covers alpha; the Isaac app adds each scheme with its own pension age.
Questions
When is my alpha pension paid?
In full from your State Pension age. You can take it from 55 (57 from April 2028) with a reduction, or later with an increase. You can also buy a lower pension age through Effective Pension Age.
How does alpha build up?
Each year adds 2.32% of that year’s pensionable earnings. The total is revalued each year in line with inflation, while you are a member and after you leave.
How much tax-free cash can I take?
You can give up some pension for a lump sum at £12 for every £1 a year of pension. The most you can take is 25% of the value of your benefits, which works out at about 4.3 times the pension before you give any up. The calculator shows both.
For more on the scheme, read our Civil Service Pension Scheme guide.