The NUT pensions calculator has helped exposed how much the Government's proposed pension changes will cost you, both before and after you retire.

Pay more - up to £100 per month on UPS3 or even more

Work Longer - do you want to teach till 68?

Get Less - teachers will retire on lower pensions and lose even more during their retirement

The calculator has now been updated in September 2012 to reflect the further losses which are likely due to the Government's proposal to change our scheme to a "career average" scheme. The calculator also includes the effect of the full transitional protection for those within 10 years of their pension age on 1 April 2012, and the partial protection for those up to a further 3½ years away.

Please select the appropriate calculator from the list below.

• The area where you work
• Your current pay (using the drop down menus provided)
• Your age and length of TPS membership (excluding any breaks in service but including any "added years")
• Your estimate of your likely pay at retirement (again using the drop down menus)

The calculator will do the rest and will give you an estimate of:

• How much you will lose from your take home pay by April 2013 and April 2014, due to the proposal to hike your pension contributions by half as much again to 9.6% of pay on average
• How long you would have to work to take all your pension entitlement in full, due to the proposal to raise teachers' pension age to match the State pension age for all future accrual
• How much you would lose from your current expected pension, if you nevertheless retire at your current pension age (60 or 65 depending on when you joined the TPS)
• How much you would lose in total over a 25 year retirement, due to that cut in your pension and to lower pension increases every year due to the switch from RPI to CPI indexation.

An NUT technical note on the basis and operation of the calculator is available here.

Can you afford to lose this much? If not, go to our Pensions campaign page at www.teachers.org.uk/pensions to see what the NUT is doing and how you can help to save your pension.