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 Firefighters' Pension Scheme 2015 works: 1/59.7 CARE accrual, age 60, contributions, worked 20, 25 and 30 year examples and early retirement.
Read →10 minute guideFirefighter pension contribution rates 2026/27 by bandFPS 2015 contribution rates from 1 April 2026: England 11.09%–17.09%, Scotland 11.73%–15.23%, with a table by pay point and the take-home effect.
Read →12 minute guideFirefighter pension McCloud remedy: scope, choices, datesFirefighter pension McCloud/Sargeant remedy: 2015 to 2022 remedy period, who is in scope, immediate and deferred choice, and what to check on your RSS.
Read →12 minute guideFirefighter retirement age UK: when can you take your pension?What age can firefighters retire? Normal pension age is 60 in FPS 2015, 55 in the 1992 scheme, with early options from 55. Tables and worked examples.
Read →12 minute guideFirefighter early retirement: reductions, break-even and taxRetiring from 55 on the FPS 2015? See how the early payment reduction works, a worked break-even example, tax and the State Pension gap explained.
Read →12 minute guideFirefighter pension lump sum: commutation £12 for £1 explainedHow much lump sum can a firefighter take? FPS 2015 commutation gives £12 per £1 of pension given up, up to 25%. Worked examples, break-even and tax limits.
Read →13 minute guideFirefighter ill-health retirement: tiers, tests and processHow firefighter ill-health retirement works in FPS 2015: lower and higher tier tests, qualifying service, medical evidence, pension effects and appeals.
Read →12 minute guideHow to Calculate Your Firefighter Pension: CARE ExamplesStep-by-step firefighter pension calculation for FPS 2015: 1/59.7 accrual, revaluation, pensionable pay and worked 20, 25 and 30-year examples.
Read →11 minute guideWelsh Firefighter Pension Scheme: Rules and Rates 2026How the Firefighters’ Pension Scheme (Wales) 2015 works: 1/61.4 accrual, grade-based contributions from September 2025, retirement ages and remedy.
Read →11 minute guideScottish Firefighter Pension Scheme: SFRS Rules 2026Firefighters’ Pension Scheme (Scotland) 2015 explained: 1/61.6 accrual, 2026 contribution bands, SPPA administration, legacy schemes and remedy.
Read →11 minute guideNorthern Ireland Firefighter Pension Scheme (NIFRS) GuideHow the NIFRS Firefighters’ Pension Scheme works: 1/64.8 accrual, normal pension age 55, contribution bands, legacy 2007 schemes and McCloud remedy.
Read →11 minute guideFPS 1992 Explained: Double Accrual, Age 50 and Lump SumsThe Firefighters’ Pension Scheme 1992 explained: 1/60 then 2/60 accrual, retiring at 50 or 55, commutation, survivor pensions and worked examples.
Read →10 minute guideFPS 2006 Explained: 1/60 Accrual, Age 60 and Special MembersThe New Firefighters’ Pension Scheme 2006 explained: 1/60 final salary accrual, 45-year cap, age 60, £12 lump sums, special members and remedy.
Read →11 minute guideFPS 1992 vs 2006 vs 2015: Firefighter Pension ComparisonSide-by-side comparison of the three firefighter pension schemes: accrual, retirement age, lump sums, death benefits, protection and who is in which.
Read →12 minute guideFirefighter Remediable Service Statement (RSS) ExplainedWhat a firefighter RSS or ABS-RSS shows, how the McCloud deferred choice works, timings, immediate choice, tax and interest, and what to check in 2026.
Read →12 minute guideFirefighter Pension Annual Allowance and Tax 2026/27Annual allowance £60,000, tapered allowance, lump sum allowance £268,275 and how firefighter pension tax charges arise, with worked numbers for 2026/27.
Read →11 minute guideFirefighter Pension Transfers: In, Out and Between FRAsHow firefighter pension transfers work: moving between fire services, transferring in from other schemes, transferring out, cash equivalents and scam warnings.
Read →11 minute guideFirefighter Pension Death Benefits: Death Grant and SurvivorsWhat the firefighter pension pays if you die: 3× pay death grant, survivor’s pension, 13-week bereavement pension, children’s pensions and worked examples.
Read →10 minute guideFirefighter Pension and Divorce: Sharing, Earmarking ExplainedHow divorce affects a firefighter pension: pension sharing and earmarking orders, pension credit members, transfer values, remedy effects and what to ask.
Read →10 minute guideOpting Out of the Firefighter Pension: What You LoseWhat happens if you opt out of the firefighter pension: refunds, deferred benefits, lost death cover, re-joining and re-enrolment, with worked numbers.
Read →12 minute guideFirefighter Pension After 20, 25 and 30 Years: Worked ExamplesWorked firefighter pension examples for 20, 25 and 30 years across FPS 1992, 2006 and 2015, with stated assumptions, lump sums and early retirement.
Read →11 minute guideFirefighter Pension and State Pension: The Gap ExplainedHow a firefighter pension fits with the State Pension: retirement at 55 to 60 versus State Pension age 66 to 67, £241.30 a week, tax and bridging the gap.
Read →12 minute guideOn-Call (Retained) Firefighter Pension: What You GetHow the on-call firefighter pension works: joining FPS 2015, pensionable retaining pay, contributions on actual pay, Matthews options to March 2027 and remedy.
Read →11 minute guideFirefighter Annual Benefit Statement Explained (ABS and RSS)How to read your firefighter annual benefit statement: 31 August deadline, what each annex means, how to check the numbers and what an ABS-RSS adds.
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.