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Calculators and tools

We have a range of calculators and tools to help you understand your pension and your options.

Log in to My USS to use our calculators, which give you personalised projections and let you model a range of options. 

  • Benefit Calculator

    • See an instant estimate of what you could get in the future.
    • Model changes like the impact of saving more.
    • Explore the options you have.
    • Use with or without your retirement quote.

  • Contributions & Tax Calculator

    • Estimate how much you’ll contribute and how much you’ll save in tax.
    • See how much your employer will contribute towards your future.
    • See how Annual Allowance could impact you.

  • See what you’ve built up in My USS

    Log in or register for My USS to view the value of your benefits and any savings to see if you’re on track.

    Log in Register

We also have a range of simple tools here:

  • Contributions & Benefit Calculator

    If you’ve just joined the scheme or may join in the future, get a quick estimate of how much you’ll pay and what you’ll get.

    For existing members use the the Benefit Calculator in My USS.

    Use tool

  • Benefit Conversion Tool

    If you've received a retirement quote see how taking either more or less tax-free cash affects your benefits. Please note: This should not be used if you are taking incapacity benefits.

    For a more advanced tool, use the Benefit Calculator in My USS.

    Use tool

  • Scheme Pays Modeller

    If you want us to pay an Annual Allowance tax charge on your behalf, work out what deduction will be made from your USS benefits.
    Use tool

  • Factors used by USS

    What they are and how they're used.
    Learn more