Military Pension Calculator (UK)
Estimate your UK military pension and tax-free lump sum across AFPS 75, 05 and 15, plus any Early Departure Payment. Pick the scheme that matches when you joined.
Your details
Scheme, pay & service
Your estimate
Pension, lump sum & EDP
EDP 05 (left before 65)
How this is worked out
AFPS 05 accrues 1/70th of final pensionable pay per year, up to a maximum of 57%. Figures use published AFPS rates. See our methodology. Estimate only, not financial advice.
How the Military estimate is worked out
Your Military pension follows the Armed Forces Pension Scheme that applied while you served. Pick the scheme that matches when you joined, most careers touch more than one.
AFPS 75 is a final-salary scheme. Your pension is a share of representative pay for your rank, building to a maximum of 48.5% over a full career, 34 years for officers, 37 for other ranks, with an automatic tax-free lump sum of three times the annual pension.
AFPS 05 is also final-salary, building 1/70th of your final pensionable pay for each year served, up to about 57% of pay. It pays an automatic tax-free lump sum of three times your pension and can include an Early Departure Payment if you leave early with enough service.
AFPS 15 is a Career Average Revalued Earnings (CARE) scheme. It adds 1/47th of your current pensionable pay each year, revalued for inflation, rather than using a final salary. There is no automatic lump sum, so you can commute up to 25% of your pension for tax-free cash at a fixed rate of £12 per £1 of yearly pension given up.
Estimate only. These figures use published AFPS rates and the 2026 increase (3.8% CPI) to give a guide, not a formal forecast. See how we calculate for the exact method and assumptions.
Not sure which scheme you're in?
Find out whether you're on AFPS 75, 05 or 15 and how each builds up.
James Hartley
James Hartley spent 22 years in the British Army, including unit personnel administration and pensions and records duties, and now writes the scheme guides and scenario pages on this site. He is not a regulated financial adviser, so the content is general information rather than personal advice.
Sources: gov.uk Armed Forces pensions · GAD factors · Veterans UK · MoneyHelper.