NHS Pension
Modelling
Model NHS Pension benefits under different retirement ages and assumptions.
Retirement Forecaster
Plan your retirement. Model cash streams. Forecast your future.
An Excel-based retirement planning tool designed for NHS Pension Scheme members. Model pension benefits, State Pension, savings, investments and future cash streams to explore different retirement scenarios with confidence.
NHS Pension
Retirement
Scenarios
Compare retirement ages and explore alternative planning strategies.
Cash Stream
Forecasting
Forecast retirement income from pensions, savings and future cash streams.
Retirement
Metrics
Estimate income gaps, required savings and retirement affordability.
Multiple Income
Sources
Combine NHS Pension, State Pension, ISAs, investments and other income streams.
Input-Led
Model
Simple blue-cell inputs. Clear, structured outputs.
How To Use
Enter Personal Details
Enter your age, retirement assumptions and pension information.
Enter Pension Details
Add NHS Pension Scheme information together with State Pension assumptions.
Enter Savings & Investments
Input ISA balances, savings, investments and expected future contributions.
Add Future Cash Streams
Model inheritances, lump sums, one-off income and other future capital events.
Review Your Retirement Plan
Compare scenarios, review projected income and identify any funding gaps.
Only complete the blue input cells. Results are illustrative estimates only and do not constitute financial, pension, tax, legal or investment advice.
Resources & Links
Readme
Overview, features and how to use the planner.
User Instructions
Step-by-step guide for using the workbook correctly.
Disclaimer
Important information, limitations and warnings.
License
Custom non-commercial licence terms.
Contributing
How to contribute, report issues and suggest improvements.
Support
Get help, ask questions or raise an issue.
Security Policy
Security, privacy and safe use information.
Release Notes
Details of the latest release and changes included.
Download Workbook
Retirement Planner with Cash Streams Excel workbook.
View the project on GitHub
Source code, documentation and all project resources are available in the repository.
View On GitHub