You can perform calculations using your own personal details on SPFOnline.

The Benefit Calculator is designed to take account of Rule of 85 protections and taking benefits before or after 65 / state pension age but should be used as a guideline only, as:

  • it does not take account of all individual circumstances
  • the inputs have not come direct from our administration system
  • the inputs have not been employer-validated

Neither Strathclyde Pension Fund nor Glasgow City Council will be held responsible for any loss, damage or inconvenience caused as a result of any inaccuracy or errors within the benefit calculator.

Before making any decisions you should consider taking financial advice.

If you need financial advice, we would direct you to the Financial Conduct Authority (FCA). They maintain a list of regulated financial advisers. The FCA also produce a wide variety of personal financial information sheets on topics that include pensions. The FCA can be contacted as follows:

Phone: 0800 111 6768

You may also care to visit:

You may also want to discuss any tax implications with your local tax office. An overview of income tax is available at

The calculator does not allow you to enter separate pays for years of pensionable service after 31 March 2015. You can, however, run the calculator more than once (for different amounts of prospective pensionable service) to see the effect of future changes in your pay.

Part timers should bear in mind that the calculator will not calculate their rule of 85 date correctly, as it uses actual pensionable service earned when calculating rule of 85 dates. Part timers also need to enter their correct prospective pensionable service when entering their membership. For example, a half timer running the calculator on 1 April 2015 with a selected retirement date of 31 March 2017 would enter 1 year 0 days as their membership after 31 March 2015.

You must run the calculator separately for any compensatory added years on redundancy, as these can only provide standard annual pension / standard lump sum.

If you have reached or will reach state pension age before 65, enter your 65th birthday as the date you'll reach state pension age in the fifth input field. You can obtain your state pension age date from

The calculator assumes that all LGPS membership up to 31 March 2009 accrues a pension at 1/80th plus a lump sum at 3/80th. From 1 April 2009 to 31 March 2015 it assumes a pension accrues at 1/60th with no automatic lump sum. From 1 April 2015 it assumes a pension accrues at 1/49th with no automatic lump sum.

The calculator outputs the estimated standard benefits package and the estimated maximum lump sum package, but you can choose anything in between.

The calculator takes no account of lifetime allowance restrictions on lump sums

If you are making additional voluntary contributions or paying extra through an "added years' contract" or if you are paying ARCs, additional regular contributions, or if you are paying APCs, additional pension contributions, these will not be taken into account by the calculator.