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For members of the Local Government Pension Scheme in Scotland

Buy extra pension calculator

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Overview

You can only pay additional pension contributions to boost your pension if you are in the main section of the LGPS. The maximum amount of additional pension you can buy is £8,030. You can spread the cost of buying extra pension by making regular payments from your salary or you can pay by lump sum. If you pay tax, you will get tax relief on the additional contributions you make.

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Personal details

* Denotes a required field

The allowed age range for this field is 16 - 74.
? You must be aged between 16 - 74.
Sorry, you cannot buy extra pension if you are in the 50/50 section.
? You cannot buy extra pension if you are in the 50/50 section.
? Your employer can choose to pay towards the cost of the extra pension.

How do you want to pay?* - This is a required field

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Payment details

You can use this calculator in two ways – you either enter how much you want to pay or how much extra pension you want to buy.

? Enter either the amount of extra pension you want to buy or the amount of regular additional contributions you want to pay from your salary.
? Enter either the amount of extra pension you want to buy or the amount of regular additional contributions you want to pay from your salary.
? Select how you often you are paid. This will also be how often your additional pension contribution payments as they will be taken from your salary.
? Enter the number of whole years you want to spread the cost of buying extra pension over. The minimum is one and the maximum number is the complete years between when the payments start and your Normal Pension Age.
? Enter either the amount of extra pension you want to buy or the amount of regular additional contributions you want to pay from your salary.
? Enter either the amount of extra pension you want to buy or the amount of regular additional contributions you want to pay from your salary.
? Select whether you would like the lump sum amount to be deducted from your pay or invoiced to you.

Results

Total extra pension £
Years of agreement
Cost to you before tax relief £
Cost to your employer £
Total cost £
Extra pension bought each year of agreement £
Your Normal Pension Age (NPA) 65
Based on a cost of £ (before tax relief) per £100 of extra pension.

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Apply for extra pension
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Apply for extra pension

To apply for an extra pension APC based on the quote above complete the personal details below, check the box to confirm you have read the terms and conditions then print and send your application form.

? Enter the name of your LGPS employer.
? Enter in the format AA123456D.
? If you want to pay extra pension using the salary from more than one job you will need to complete an application form for each job.

To enter a digital signature and date click on 'sign and download application'. Alternatively, please print and complete the application and send to your pension fund.

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Next steps
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Next steps

You should now send the application form to your local pension fund.

Your local pension fund will let you know if they require you to submit a medical report before your application can be accepted.

If your employer has agreed to meet some of the cost, you must get their written agreement and submit this with your application form. The agreement should detail the amount of pension you are buying and how much they will pay.

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