NHS pension projection is the process of analysing your pension and projecting its future value based on a range of inputs and assumptions. It’s a powerful tool for NHS professionals who want to understand how their pension may develop over time and how different career or retirement choices could affect their outcome.

There are several key benefits to this approach:

Clear future insight
You can see how your pension may look under different scenarios—such as varying retirement ages, changes in working patterns, or career progression. This helps you make more informed decisions about your future.

Understanding key drivers
By analysing factors such as salary growth, pension rules, and legislative changes, you can understand what is driving your pension outcomes. This allows you to plan ahead and avoid unexpected issues, including unnecessary tax charges.

Better planning and decision-making
Detailed projections help identify gaps or risks in your pension position, enabling you and your advisers to take action where needed to ensure a sustainable retirement income.

Review of historic records
By assessing past pension data and calculations, we can help identify inconsistencies or anomalies in service history that may impact your overall benefits.

Overall, NHS pension projection and scenario analysis provide a clearer understanding of both your future pension value and the impact of complex factors such as the McCloud remedy, Annual Allowance, and Lifetime Allowance.

At Your NHS Pension, we project your benefits to your chosen retirement date, taking into account Annual Allowance, Scheme Pays, Lifetime Allowance considerations, the McCloud remedy, and Annual Allowance reassessments.

We can also analyse a wide range of scenarios—such as changes in working hours, career progression, or decisions like salary sacrifice (for example, lease car schemes)—so you can fully understand the impact of your choices.

We aim to turnaround your report in 4-6 weeks, occasionally due to circumstances out of our control this may take longer, we will inform you if this is likely to be the case

We analyse the impact of the McCloud remedy by reflecting the rollback of benefits accrued between 2015 and 2022 into your legacy 1995/2008 pension scheme. We then recalculate your Annual Allowance position for the remedy period and compare this against your originally assessed position.

We also provide a clear comparison of your projected retirement benefits under each option showing the difference between retaining these benefits in the 2015 scheme or reverting them to the 1995/2008 scheme so you can fully understand the implications before making a decision.

We are not affiliated with any large financial institutions, allowing us to provide impartial, unbiased NHS pension analysis focused solely on clarity and accuracy.

You can request up to 6 projections

All data is stored within Google’s secure cloud infrastructure, which meets industry-leading standards for data protection. When you register with us, you’ll be provided with a secure, access-controlled folder with two-factor authentication, ensuring that only you and our authorised team can access your information. This means your data is encrypted, protected, and handled securely at every stage.

We do not provide financial advice. Our role is to deliver specialist technical analysis of the NHS Pension Scheme, including reviewing records, projecting benefits, and explaining the impact of complex areas such as the McCloud remedy, Annual Allowance, and Scheme Pays. This ensures you have clear, accurate information to support informed decision-making.

We also work alongside a network of experienced NHS financial advisers and accountants across the UK. If you require regulated financial advice following our analysis, we can introduce you to trusted professionals with expertise in NHS pensions.