Please note that this tool is intended for illustrative purposes only. The quotation is based on the market-related factors available at the date of calculation. The factors used to calculate your actual retirement benefits will be those appropriate to the month in which you retire. Please contact USS if you want a formal quotation.

This tool does not provide any promise or guarantee regarding the level of benefits shown, and the tool should not be regarded as financial advice or used for financial planning for retirement purposes. The tool should be used in conjunction with other available information when making decisions about your pension arrangements. USS is governed by a trust deed and rules and your benefits will always be paid in accordance with the trust deed and rules (as amended from time to time). If there is any discrepancy between this tool and the trust deed and rules, the latter will prevail.

No personal data is stored on this tool. However, you are responsible for ensuring that you exit the tool when you finish, to ensure that no personal data is accessible.

We strongly recommend that you take financial advice before making, or refraining from making, any decisions about your USS benefits. You can find further information about financial advice on our guidance and financial advice page. Please note that you may be charged a fee for any advice. Please note that this tool is not appropriate if you are due to have a deduction made to your benefits. Any deductions applicable to you will be detailed on your provisional retirement quotation. Please refer to USS in these circumstances.

Neither Universities Superannuation Scheme Limited nor any of their officers or employees accept any responsibility or liability for any loss, damage or inconvenience caused by action taken (or a decision not to take action) as a result of information provided by this tool. We have complete discretion to modify any part of this tool or remove it in its entirety without warning or liability arising from such an action.

Benefit Conversion Tool