Turn pension rules into decisions you can see.
Understand CARE accrual, current member contributions, retirement timing and legacy-service complexity before you act.
of pensionable pay added as annual pension for each English FPS 2015 scheme year.
for active FPS 2015 benefits, with reductions potentially applying earlier.
across the published English actual-pensionable-earnings bands.
Start with your scheme and service dates.
Legacy service and remedy eligibility can make a whole-career answer more complex than one calculator result.
How the English FPS 2015 CARE pension builds, the 1/59.7 accrual rate, pension age, contributions and early retirement.
Read →9 minute guideFirefighter pension contribution rates 2026/27Current FPS 2015 England and Scotland member contribution bands, how tax relief works and why actual pensionable pay matters.
Read →12 minute guideFirefighter pension McCloud remedy explainedA plain-English guide to the firefighter pension remedy period, legacy-scheme choice and why individual statements matter.
Read →10 minute guideFirefighter pension retirement age: FPS 2015 options explainedUnderstand normal pension age 60 in the English FPS 2015, minimum pension age, active and deferred benefits, and why legacy service needs separate figures.
Read →11 minute guideFirefighter pension early retirement: reductions and planningA decision guide to taking an FPS 2015 pension early, comparing annual income, reductions, other scheme service and the bridge to State Pension age.
Read →10 minute guideFirefighter pension lump sum and commutationHow exchanging part of a firefighter pension for a retirement lump sum changes annual income, what to compare and why scheme quotes matter.
Read →11 minute guideFirefighter ill-health retirement: process and pension questionsA careful overview of firefighter ill-health retirement, medical assessment, scheme tiers, evidence and why the employer and pension administrator decide individual cases.
Read →Firefighter Pension Command
Compare retirement ages, salary paths and CARE accrual in one structured plan. Designed to organise questions for your scheme administrator, not replace a formal quote.