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Skip Navigation LinksHome > Scheme guide > Final Salary Benefits section > Modellers and calculators

Modellers and calculators 

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

Benefit modeller

Paying in to USS? Use this modeller to estimate the full range of USS benefits.

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

Annual allowance modeller

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.

Go to annual allowance modeller page

Scheme pays calculator

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.

Money purchase AVC conversion tool

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.

Open prudential avc modeller page

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.

Open cost of contributions calculator

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

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 official pensions.

Open deferred pensions increase modeller page