Your whole financial picture. One clear report.
Built for NHS staff. Tell us about your pay, your pension and anything else you hold: savings, SIPPs, a partner’s pension, old pots. Within 48 hours we email you one clear report: your projected income and wealth for the rest of your life. Your NHS pension is modelled to scheme rules. Everything else is brought into the same picture.
When can I afford to retire?
The question behind every other question. Your report draws your household income, year by year, for the rest of your life. You see the years where money is tight and the year your target income is met. If you and your partner would retire at different ages, both paths are on the same chart.
What would the lump sum actually cost me?
Taking cash at retirement means a smaller pension every year for life. Your report shows that trade-off in plain figures, at each retirement date you are considering. You see what the cash buys and what it costs before anyone asks you to decide anything.
Is my pension on track?
Your Total Reward Statement tells you what you have built up so far. It does not tell you whether that is enough. Your report values your NHS pension at each date you might retire, sets it against the income you want, and shows the workings.
What if I drop to four days?
Fewer hours means less pay now and a smaller pension later. How much less is the question. Tell us that is what is on your mind, and your report gives it proper depth: your pay and pension worked through at the hours you are weighing up.
What does the whole picture look like?
Pension in three NHS schemes, a SIPP from an old job, a partner’s pension, some savings. Nobody shows you the total. Your report brings everything you hold into one chart and one document: what you have, what it is worth at the dates that matter, and where the gaps are.
Free while we build the service. You complete the questionnaire, and we will build your report for you within 48 hours.
Disclaimer. We are not financial advisers, and this report will not tell you what to do. We are not allowed to, and we would not pretend otherwise. What we can do is put your whole position into one clear, carefully calculated document.
See what you get
Real pages from a sample report: the same document you’ll receive. Every figure is marked modelled (calculated to scheme rules) or stated (your figure, carried into the picture). Every projection shows its assumptions. The sample is a worked example with Band 7 pay, 1995 + 2015 service and a partner’s SIPP.
How it works
Fill in the form
About 10 minutes. You tell us what you hold and what you are aiming at: the income you want in retirement, and when you would like to stop. The report tests your figures against your own target.
We build your report
Your NHS pay and pension are calculated to scheme rules. Everything else sits alongside, exactly as you stated it. If anything is unclear, we email you to check. We never guess.
It lands in your inbox within 48 hours
A document you keep, not a login you lose.
Turn the paperwork into a picture
If your retirement plan is a pile of statements and logins, you don’t have a plan. You have paperwork. Your report turns it into one coherent picture: everything you hold, valued at the dates that matter to you, on one chart.
It’s free right now while we refine the service. We prepare a limited number of reports each week, with care, and each one teaches us something. When your report is done, we’ll ask for your advice: what it got right, what it missed, what to build next. This service is shaped by you.
How we work
The NHS pension is genuinely complicated. There are three schemes, the rules changed twice, and nobody at work will walk you through it. That is not your deficit; it is the gap we exist to fill.
Checked against the published rules
Calculations are validated against NHSBSA scheme guidance, Government Actuary’s Department worked examples, and real payslips.
Open source
The tax and pension logic is a public library. Every rate is dated; every rule is sourced.
No ads, nothing passed on
Your details build your report. They are never sold, never passed to advisers. Documents are deleted within 30 days.
Updated every April
Pay circulars, tax years, and scheme changes land in the library when they land in law.
Common questions
Why is it free?
We are building this as a service and we are early. Free reports are how we learn what the finished service needs to be, and they will not be free forever. If you would like to tell us what you thought of yours, we will ask. The report is yours either way.
Why a limited number each week?
Because a person prepares each one. Your report is built from your figures, checked with care, and that takes real time. We are a small team, early in building this service, and each report teaches us something about what it should become. Taking on more than we can do well would break the thing that makes this worth having. We would rather tell you “next week” than do a rushed job.
Will you tell me what to do?
No. We show you what you hold and what it is worth at the dates you are considering. Decisions are yours. For a recommendation, a regulated adviser is the right route. If you are 50 or over, Pension Wise offers free, government-backed guidance.
What happens to my data?
It is used to build your report, nothing else. Never sold, never passed to advisers. It is stored in our Google Workspace, and anything you send us is deleted within 30 days of delivery, or sooner if you ask. We do not want your NI number or address; feel free to black them out.