CETV Calculator

What is your DB pension worth as a transfer value?

Defined benefit pensions carry a guaranteed income for life. But for expats, that guarantee may be worth less than the capital it represents. This tool gives you an indicative CETV range in under two minutes.

Pension Details

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Your Estimate

Pension details

Answer 5 questions about your scheme to get your estimate.

Annual pension at retirement (GBP)

Years until retirement

Type of scheme

Public sector NHS, civil service, teaching, local government

Private sector Company pension, corporate DB scheme

Pension increases

RPI / CPI linked Increases with inflation each year

Fixed increases E.g. 2.5% or 3% per year, guaranteed

No increases Flat income throughout retirement

Spouse / partner pension included?

Yes Spouse receives 50% of pension on death

No Single life pension only

Estimated CETV range

Indicative only. Actual CETV calculated by your scheme actuary.

What could this grow to?

If the midpoint CETV were invested in a UCITS portfolio

Indicative estimate only. This tool uses simplified multiplier ranges and does not account for scheme-specific factors, current gilt yields, or your health. Your actual CETV will be calculated by your scheme actuary and may differ materially from this estimate.

Next step

Should you take the transfer?

A CETV range is only the starting point. The decision requires a full picture: your health, other income sources, retirement country, currency, and your actual CETV from the scheme. We work through this with expat professionals every week.

Book a pension review

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