AFPS 75 pension tables by rank and service
AFPS 75 pensions for most ranks are set from pension code tables, not your personal salary. These are the current tables from the Tri-service pension codes published on gov.uk (April 2025 edition, for anyone whose last day of service is on or after 31 March 2025).
Key takeaways
- AFPS 75 uses representative pay for the rank, so pensions come from published tables.
- Other ranks earn an immediate pension from 22 years; officers from 16 years.
- The tax-free lump sum (terminal grant) is 3 times the annual pension.
- New codes are published on gov.uk each year with the pay award.
How to read the tables
Unlike a personal final-salary calculation, AFPS 75 pensions at OF6 rank and below are worked out from representative rates of pay for each rank. The result is published each year as pension codes: look up your rank band and years of reckonable service, and the table gives your annual pension.
Ranks use NATO codes across all three services. For the Army: OR4 is Corporal, OR6 Sergeant, OR7 Staff Sergeant, OR8 WO2, OR9 WO1, OF2 Captain, OF3 Major, OF4 Lieutenant Colonel, OF5 Colonel and OF6 Brigadier.
These are the April 2025 codes, the latest edition published on gov.uk (September 2025). They apply to anyone whose last day of service is on or after 31 March 2025. The next edition normally lands in the autumn. Codes move with the armed forces pay award; the separate CPI pension increase applies once a pension is in payment.
Other ranks: standard pension by years served
Other ranks qualify for an immediate pension after 22 years of reckonable service (from age 18). The table runs to the 37-year maximum. Figures are pounds a year.
| Years | OR4 (Cpl) | OR6 (Sgt) | OR7 (SSgt) | OR8 (WO2) | OR9 (WO1) |
|---|---|---|---|---|---|
| 22 | £13,425 | £14,684 | £16,678 | £17,917 | £20,219 |
| 25 | £14,831 | £16,222 | £18,425 | £19,793 | £22,336 |
| 28 | £16,237 | £17,760 | £20,171 | £21,669 | £24,453 |
| 30 | £17,174 | £18,785 | £21,335 | £22,920 | £25,865 |
| 34 | £19,048 | £20,835 | £23,664 | £25,422 | £28,688 |
| 37 | £20,454 | £22,373 | £25,410 | £27,298 | £30,805 |
On top of the annual pension, AFPS 75 pays an automatic tax-free terminal grant of three times the pension. A WO1 leaving at 22 years, for example, receives £20,219 a year plus a lump sum of about £60,657.
Officers: retired pay by years served
Officers qualify for an immediate pension after 16 years of reckonable service (from age 21). These are the rates on compulsory retirement; premature voluntary retirement rates are slightly lower in the early years. Figures are pounds a year.
| Years | OF2 (Capt) | OF3 (Maj) | OF4 (Lt Col) | OF5 (Col) | OF6 (Brig) |
|---|---|---|---|---|---|
| 16 | £17,439 | £20,710 | £27,056 | £32,662 | £38,689 |
| 20 | £20,646 | £24,634 | £32,571 | £38,644 | £44,722 |
| 25 | £24,653 | £29,540 | £39,464 | £46,122 | £52,264 |
| 30 | £28,661 | £34,445 | £46,358 | £53,600 | £59,805 |
| 34 | £31,867 | £38,369 | £51,873 | £59,582 | £65,839 |
A Major retiring at 34 years receives £38,369 a year plus a terminal grant of about £115,107. Separate accrued-rights tables cover members who transferred to AFPS 15 with AFPS 75 service behind them; those start from 9 years' service.
Not on AFPS 75? These tables do not apply
Only AFPS 75 works from pension codes. AFPS 05 pensions are 1/70th of your own final pensionable pay per year of service, and AFPS 15 is a career-average scheme built from your actual pay each year, so neither has a rank table to look up.
If you serve today, most or all of your pension is AFPS 15. For a figure that reflects your own scheme mix, pay and service, use the calculator instead of a table.
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Frequently asked questions
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 · GAD factors · Veterans UK · Forces Pension Society · MoneyHelper.