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Modellers & Calculators 

Use the range of USS modellers and tools to work out what your pension will be and consider your options.

Benefit modeller

More advanced than the pensions calculator. This lets you build-in extra information, such as transfers-in or AVCs into the calculation and vary the pension and cash options.

Open benefit modeller page

Added years AVC modeller

Do you want to buy more years and days service in the scheme to boost your retirement benefits? Use this to work out the cost and benefits.

Open added years avc modeller page

Prudential AVC conversion tool

If you have a Prudential AVC fund and haven't retired yet use this tool to work out what extra benefits USS would provide if you decided to buy the extra pension from USS.

Open prudential avc modeller page

Pensions calculator

This is a quick and easy tool to estimate your benefits at retirement. Useful if you’ve just joined, are thinking of joining or if you have a very straight forward employment history.

Open pensions calculator

Cost of contributions

Take a look at this modeller to see what the real cost of membership is after tax relief and a saving on National Insurance. The cost is lower than you may think.

Open cost of contributions calculator

Wealthcheck calculator

Estimate how much your total income might be in retirement. You might be better off than you think!

Open wealthcheck calculator page

Deferred pensions increase modeller

If you have left USS, but not yet retired, you can use this to work out the current value of your benefits. Any pension you leave in USS goes up each year in line with the Retail Price Index.

Open deferred pensions increase modeller page

Benefit conversion modeller

Particularly useful if you’ve just received a retirement quotation. Put in some basic information from the quote and you can then vary the amount of pension or tax-free cash you take.

Open benefit conversion modeller page

Tax optimisation calculator

If you pay AVCs you will receive tax relief. Use this modeller to work out the most effective way of paying AVCs to maximise your tax relief.

Go to tax optimisation page