# Armed Forces Pension Calculator > Free, independent UK Armed Forces Pension Scheme (AFPS) calculators and plain-English guides covering AFPS 75, AFPS 05 and AFPS 15: pension, tax-free lump sum, commutation, Early Departure Payment (EDP) and the McCloud remedy. Estimates only — not regulated financial advice, and not affiliated with the MOD, Veterans UK, the Government Actuary's Department (GAD), GOV.UK or HM Government. ## Key facts (verified against gov.uk, GAD and Veterans UK) - AFPS 75: final-salary, builds to 48.5% of final pay, automatic tax-free lump sum of 3× pension. Normal pension age 55. A preserved pension (left before 55) is paid from 60 for service before 6 April 2006 and from 65 for service after. - AFPS 05: final-salary, 1/70th accrual, up to ~57% of pay, automatic 3× lump sum. Normal pension age 55. A preserved pension (left before 55) is paid from 65. - AFPS 15: career average (CARE), 1/47th of each year's pay revalued for inflation, no automatic lump sum (commute up to 25% at a fixed 12:1 rate). Normal pension age 60. A deferred pension (left before 60) is paid from State Pension age. - 2026 increase: pensions in payment and preserved pensions rise 3.8% from April 2026 (September 2025 CPI). Prior increases: 1.7% (2025), 6.7% (2024). - McCloud remedy period: 1 April 2015 to 31 March 2022; affected members choose legacy (75/05) or AFPS 15 benefits for that window. - You need 2 years' qualifying service to earn a pension. - EDP 15 qualifying point: leave at age 40+ with 20 years' service (the 20/40 point). ## Calculators - [AFPS 75 calculator](https://armedforcespensioncalculator.co.uk/afps-75-calculator) - [AFPS 05 calculator](https://armedforcespensioncalculator.co.uk/afps-05-calculator) - [AFPS 15 calculator](https://armedforcespensioncalculator.co.uk/afps-15-calculator) - [Commutation & lump sum calculator](https://armedforcespensioncalculator.co.uk/commutation-calculator) - [Early Departure Payment (EDP) calculator](https://armedforcespensioncalculator.co.uk/early-departure-payment-calculator) - [McCloud remedy calculator](https://armedforcespensioncalculator.co.uk/mccloud-remedy-calculator) - [Preserved & deferred pension calculator](https://armedforcespensioncalculator.co.uk/preserved-pension-calculator) - [Pension increase calculator](https://armedforcespensioncalculator.co.uk/pension-increase-calculator) - [Added pension calculator](https://armedforcespensioncalculator.co.uk/added-pension-calculator) - [Survivor pension calculator](https://armedforcespensioncalculator.co.uk/survivor-pension-calculator) - [Pension on divorce calculator](https://armedforcespensioncalculator.co.uk/military-pension-divorce-calculator) - [Medical discharge & ill-health calculator](https://armedforcespensioncalculator.co.uk/medical-discharge-pension-calculator) ## By service - [Army pension calculator](https://armedforcespensioncalculator.co.uk/army-pension-calculator) - [RAF pension calculator](https://armedforcespensioncalculator.co.uk/raf-pension-calculator) - [Royal Navy pension calculator](https://armedforcespensioncalculator.co.uk/royal-navy-pension-calculator) - [Royal Marines pension calculator](https://armedforcespensioncalculator.co.uk/royal-marines-pension-calculator) - [Reserves pension calculator](https://armedforcespensioncalculator.co.uk/reserves-pension-calculator) - [Officer pension calculator](https://armedforcespensioncalculator.co.uk/officer-pension-calculator) ## Guides - [Which scheme am I in? (AFPS 75/05/15)](https://armedforcespensioncalculator.co.uk/guides/which-afps-scheme-am-i-in) - [AFPS 75 vs 05 vs 15 explained](https://armedforcespensioncalculator.co.uk/guides/afps-75-05-15) - [The McCloud remedy explained](https://armedforcespensioncalculator.co.uk/guides/mccloud-remedy) - [Commutation explained](https://armedforcespensioncalculator.co.uk/guides/commutation) - [Is it worth commuting your pension?](https://armedforcespensioncalculator.co.uk/guides/worth-commuting) - [Early Departure Payment (EDP) explained](https://armedforcespensioncalculator.co.uk/guides/early-departure-payment) - [Preserved & deferred pension explained](https://armedforcespensioncalculator.co.uk/guides/preserved-pension) - [Survivor & widow pension explained](https://armedforcespensioncalculator.co.uk/guides/armed-forces-survivor-pension) - [Pension on divorce explained](https://armedforcespensioncalculator.co.uk/guides/pension-on-divorce) - [Medical discharge & ill-health pension](https://armedforcespensioncalculator.co.uk/guides/medical-discharge) - [Annual allowance (tax) explained](https://armedforcespensioncalculator.co.uk/guides/armed-forces-pension-annual-allowance) ## Worked examples - [How much is an Army pension?](https://armedforcespensioncalculator.co.uk/how-much) - [Pension after 6 years](https://armedforcespensioncalculator.co.uk/how-much/after-6-years) - [Pension after 12 years](https://armedforcespensioncalculator.co.uk/how-much/after-12-years) - [Pension after 16 years](https://armedforcespensioncalculator.co.uk/how-much/after-16-years) - [Pension after 22 years](https://armedforcespensioncalculator.co.uk/how-much/after-22-years) ## Rates & increases - [Pension rates & increases](https://armedforcespensioncalculator.co.uk/rates) - [2027 pension increase (3.5% expected, September 2026 CPI)](https://armedforcespensioncalculator.co.uk/rates/pension-increase-2027) - [2026 pension increase (3.8% CPI)](https://armedforcespensioncalculator.co.uk/rates/pension-increase-2026) - [2025 pension increase (1.7% CPI)](https://armedforcespensioncalculator.co.uk/rates/pension-increase-2025) - [2024 pension increase (6.7% CPI)](https://armedforcespensioncalculator.co.uk/rates/pension-increase-2024) ## News - [Budget 2026: no change to the military compensation means test (updated 28 October 2026)](https://armedforcespensioncalculator.co.uk/news/military-compensation-means-test-budget-2026) - [AFCS statistics 2025/26: claims take a median 126 working days (MOD, 15 October 2026)](https://armedforcespensioncalculator.co.uk/news/afcs-statistics-2025-26) ## Reference - [Pensions glossary](https://armedforcespensioncalculator.co.uk/armed-forces-pension-glossary) - [How we calculate](https://armedforcespensioncalculator.co.uk/how-we-calculate) - [Veterans UK & pension admin](https://armedforcespensioncalculator.co.uk/official) - [Unclaimed armed forces pensions: who is owed one and how to claim](https://armedforcespensioncalculator.co.uk/official/unclaimed-armed-forces-pension) - [Sources & references](https://armedforcespensioncalculator.co.uk/sources) - [About us](https://armedforcespensioncalculator.co.uk/about) - [Editorial policy](https://armedforcespensioncalculator.co.uk/editorial-policy) - [Write for us (guest post guidelines)](https://armedforcespensioncalculator.co.uk/write-for-us) - [Advertise with us (audience figures and placements)](https://armedforcespensioncalculator.co.uk/advertising)