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Use the range of USS modellers and tools to work out what your pension will be and consider your options.
This modeller can be used in conjunction with your service statement to show you how much pension you have built up so far and what you will have at your chosen retirement age.
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.
This will give you an indication of how much Annual Allowance you have used this year, which is a limit set by HMRC to the maximum benefits you can build up in any one year.
If you’ve incurred a tax charge for exceeding your annual allowance, and you’d like USS to pay it on your behalf, this calculator provides an indication of the current value of the deduction to be made from your USS benefits.
If you have a Money purchase AVC fund (Prudential) use this tool to work out what extra pension benefits you could have if you use it to buy additional USS pension.
Estimate how much your total income might be in retirement. You might be better off than you think!
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.
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.
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 official pensions.
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