Pension & Lump-Sum Report for prison officers

What the report is for

The free prison officer pension calculator is good for exploring. This report is for when you want the answer on paper. It takes the numbers you entered and turns them into a short briefing you can print or save as a PDF: where your alpha pension stands, what retiring at different ages would mean, what a lump sum would cost you, and what to ask next.

People often want this before a conversation: with a partner about when to retire, with a union representative, with an independent financial adviser, or with the scheme administrator when they request a quote. A clear page of your own numbers makes those conversations shorter and better.

What is in it

The briefing opens with your headline figures: yearly pension at your chosen retirement age, the member contribution you are paying in 2026/27 and the assumptions behind the model. It then compares retirement ages, shows the lump sum trade-off, and ends with the AI-written interpretation and a checklist of questions for the administrator.

The rules it applies are the published ones: alpha earns 2.32% of pensionable earnings a year, revalued by CPI each April; the 2026/27 contribution bands are 4.6%, 5.45%, 7.35% and 8.05% applied to all earnings; normal pension age is the later of State Pension age and 65 with no lower age for prison officers; the lump sum exchange is £12 for each £1 given up within HMRC limits. As at 3 October 2026 the POA's campaign that a pension age of 68 is too late had produced no decision to change it that we could find, and the report says so.

How the AI interpretation works

The interpretation is written from your model's numbers and the sourced rules, not from invented examples. It is there to explain what the numbers mean in plain English. It will not tell you what to do, and it can be wrong, so read it as a starting point and check anything important with your administrator.

Report, Command or bundle?

The Pension & Lump-Sum Report is £14.99 once. If you also want State Pension income to 90, the annual allowance check, a McCloud estimate and the four-scenario lab, Pension Command is £39 and also unlocks the briefing, so you would not need to buy both. The Serving Officer Bundle is £59 and covers Pay Planner Pro (£12.99), Pension Command (£39), this report (£14.99) and Promotion Prep (£19.99), which total £86.97 separately, a saving of £27.97.

One payment, no subscription. 14-day money-back guarantee, no questions asked. See the terms and the refund policy. You can buy without creating an account. The free calculator stays free.

Before you buy

Try the free pension calculator first. The briefing opens on the premium tab with your own numbers as a preview. For ill-health or injury questions use the ill-health and injury benefit calculator, and for lump sums in more depth the lump sum calculator. Related reading: alpha pension explained and the lump sum guide.