Calculate your benefits

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.
- Watch our video on the Benefit Calculator to find out more.
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.

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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 Benefit Calculator in My USS.

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Benefit Conversion Tool

This tool has been replaced. Please use the Benefit Calculator. If you've received a retirement quote from us, select Use your retirement quote.

Use the Benefit Calculator
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.

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Factors used by USS

A factor is a number that we use in our calculations to work out what your Retirement Income Builder benefits will be, based on the retirement decisions you make. So, if you retire before or after your Normal Pension Age, or exchange some pension to increase your lump sum, or vice versa, we may use these factors to work out what you’ll get.

Learn more