NHS Pension
What you're building up, and how to plan around it.
Most NHS staff build their pension through the 2015 CARE Scheme, which adds a slice of pension for every year worked based on that year's pensionable pay — different from the older 1995 and 2008 Section schemes that many longer-serving staff also have service in. Higher earners and anyone with pre-2015 service face two extra questions the CARE Scheme alone doesn't answer: whether the McCloud remedy changes which scheme applies to a given period, and whether a fast-growing pension risks a surprise Annual Allowance tax charge.
The free NHS Pension Calculator projects your basic CARE Scheme pension from your current pay and service. FrontlinePay Pro adds the McCloud remedy comparison, a commutation lump sum optimiser, an AI Retirement Strategist, and the Annual Allowance carry-forward modelling — the tools built for the "what should I actually do" questions, not just the projection.
NHS Pension Scheme (2015) Explained
How the CARE scheme builds up your retirement income.
Annual Allowance Tax Charge Explained
Why high earners and senior doctors can face surprise pension tax bills.
Try the free NHS Pension Calculator →Go further with FrontlinePay Pro
McCloud comparison, commutation optimiser, AI Retirement Strategist & Annual Allowance modelling.