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{"sheet":"inputs and results","index":0,"n_rows":43,"n_cols":13,"rows_kept":43,"cut":false,"hidden":false,"merged":[[36,2,36,11],[37,2,37,11],[39,2,39,11],[40,2,40,11],[33,2,33,11],[34,2,34,11],[35,2,35,11],[0,4,0,8],[24,2,24,11],[25,2,25,11],[26,2,26,11],[27,2,27,11],[28,2,28,11],[29,2,29,11],[30,2,30,11],[31,2,31,11],[32,2,32,11]]}
[null,null,null,null,"Added pension estimator -\nfor members of nuvos"]
[null,"Please fill in all of the blue boxes and either one or other of the orange boxes "]
[]
[null,"About you"]
[null,null,null,null,null,null,null,null,null,null,null,null,"female"]
[null,null,null,null,"What is your date of birth? ",null,null,null,null,null,null,null,"male"]
[]
[null,null,null,null,"What is your gender? "]
[null,null,{"$f":"IF(AND(G6=\"\",G12<>\"\"),\"You must enter date of birth\",\"\")","v":""},null,null,null,null,null,null,null,null,null,{"$f":"\"You cannot buy more than \"&TEXT('calcs - nuvos'!G3,\"£0,000\")&\" added pension\"","v":"You cannot buy more than £9,200 added pension"}]
[null,"About your added pension"]
[]
[null,null,null,null,"How do you want to pay for your Added Pension? ",null,null,null,null,{"$f":"IF(G12=\"lump sum\",\" \",\"for how many years?\")","v":"for how many years?"},null,null,"lump sum"]
[null,null,null,null,null,null,null,null,null,null,null,null,"monthly contributions"]
[null,null,null,null,"What sort of pension do you want to buy? ",null,null,null,{"$f":"'calcs - nuvos'!A30","v":""},null,null,null,"pension for self only"]
[null,null,null,null,null,null,null,null,null,null,null,null,"pension for self + dependants"]
[null,"Either: ",null,null,"How much do you want to save? ",null,null,null,{"$f":"IF(G12=\"lump sum\",\" \",\"per month\")","v":"per month"},{"$f":"IF(AND(G16<>\"\",G18<>\"\"),\"please enter figures into only one of the orange boxes, leave the other blank\",\"\")","v":""}]
[]
[null,"Or: ",null,null,"How much pension do you want to buy? ",null,null,null,"a year ",{"$f":"IF(G18>'calcs - nuvos'!G3,M9,\" \")","v":" "}]
[]
[null,"Your results"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(G16<>\"\",1,2)","v":2}]
[null,null,null,null,{"$f":"IF(M21=1,\"Your savings will buy an annual pension of: \",\"This pension will cost you: \")","v":"This pension will cost you: "},null,{"$f":"IF(G6<>\"\",'calcs - nuvos'!B28,\"\")","v":""},null,{"$f":"IF(AND('calcs - nuvos'!D2=\"periodicals\",'calcs - nuvos'!B4<>\"savings\"),\"per month\",IF('calcs - nuvos'!B4=\"savings\",\" \",\"\"))","v":"per month"},{"$f":"IF('calcs - nuvos'!B4=\"savings\",'calcs - nuvos'!A29,\"\")","v":""}]
[]
[null,"Important notes:"]
[null,1,"The added pension estimator held on the Civil Service Pension website uses the latest calculation factors. These factors, and therefore the results, may be subject to change in the future."]
[null,2,"Please note that if you do not use the most recent version of the added pension estimator then the results will not be valid. The latest estimator is held on the Civil Service Pension Scheme website: www.civilservicepensionscheme.org.uk",null,null,null,null,null,null,null,null,null,"enter a date"]
[null,3,"The cost shown is the gross amount. You will normally get income tax relief on these contributions. If you make your payment through payroll the tax relief will be applied automatically. If you make a lump sum purchase by cheque you will have to claim tax relief from HM Revenue & Customs.",null,null,null,null,null,null,null,null,null,52]
[null,4,"If you have chosen added pension for self and dependants, this will provide a dependants’ pension (paid after death to a surviving wife, husband, civil partner or partner) of 37.5% of your added pension.",null,null,null,null,null,null,null,null,null,54]
[null,5,"In most circumstances your added pension will come into payment at the same time as your nuvos pension. If you draw your pension before Normal Pension Age (NPA) it will be reduced for early payment. If you carry on working beyond your NPA, your pension will be increased for late payment.",null,null,null,null,null,null,null,null,null,56]
[null,6,"Added pension will be adjusted in line with prices.",null,null,null,null,null,null,null,null,null,59]
[null,7,"If you have selected monthly contributions, the estimator assumes that these start from the next 1 April and run for a complete number of years.",null,null,null,null,null,null,null,null,null,60]
[null,8,"The figures shown are an illustration of the current cost of buying added pension.",null,null,null,null,null,null,null,null,null,61]
[null,9,"If you have selected monthly contributions, the estimator assumes that these start from the date that your contract starts and run for a complete number of years. You can request to cancel your monthly contributions at any time, but you must continue to make your contributions until the end of the scheme year (31 March). Lump sum purchases are assumed to be made at the contract start date. You cannot buy added pension by lump sum in your first 12 months of scheme membership.",null,null,null,null,null,null,null,null,null,62]
[null,10,"If you have selected to pay contributions over a number of years, the estimator has taken account of your age increasing over the period and resulting amount of added pension that the current factors will purchase in each future year. However, you should be aware that the factors underlying these calculations are reviewed regularly and the cost of this level of pension may change in the future.",null,null,null,null,null,null,null,null,null,64]
[null,11,"Your total pension contributions (not just added pension) in any year cannot be more than your salary.",null,null,null,null,null,null,null,null,null,65]
[null,12,"If you increase your pension savings in any year over the Annual Allowance set by HM Revenue & Customs, you may incur a tax charge. For more information, including examples, see the HM Revenue & Customs website: www.hmrc.gov.uk",null,null,null,null,null,null,null,null,null,68]
[null,13,"If you want to purchase added pension, the application form is available on the Civil Service Pension Scheme website.",null,null,null,null,null,null,null,null,null,69]
[null,14,"This is a calculated value at today’s rates."]
[null,null,null,null,null,null,null,null,null,null,null,null,72]
[null,"Disclaimer:","Every effort has been made to make this tool as accurate as possible, but in the event of any differences, the regulations will apply. This tool is based on the nuvos rules current at the time of publication and there is no guarantee that any part of the rules will not change in the future. You should not take anything in this tool as financial advice. You might want to consider contacting an Independent Financial Adviser (IFA) to discuss your retirement planning. You can find tips on finding an IFA by visiting the Financial Conduct Authority website: www.fca.org.uk",null,null,null,null,null,null,null,null,null,73]
[null,null,"To share your views and feedback on this calculator, please complete this short survey."]
[null,{"$f":"\"Version 7 (Feb 2022).  Printed on \"&TEXT(TODAY(),\"dd mmmm yyyy\")","v":"Version 7 (Feb 2022).  Printed on 22 October 2024"}]
[null,{"$f":"\"'as at' date \"&TEXT('calcs - nuvos'!B86,\"dd mmmm yyyy\")","v":"'as at' date 01 April 2025"}]

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["Chosen contribution type",{"$f":"'inputs and results'!G12","v":0},{"$f":"IF(D2<>\"LS\",'inputs and results'!K12,0)","v":0},{"$f":"IF(B2=\"lump sum\",\"LS\",\"periodicals\")","v":"periodicals"},null,"AMC rate",{"$f":"'Variable information'!B3","v":0}]
["Chosen pension",{"$f":"'inputs and results'!G14","v":0},{"$f":"IF(B3=\"pension for self only\",\"self\",\"self+\")","v":"self+"},null,null,"HMT max",{"$f":"IF(D2=\"periodicals\",9200,7300)","v":9200}]
["Chosen calculation type",{"$f":"IF('inputs and results'!G16<>\"\",\"savings\",\"target pension\")","v":"target pension"}]
["Monetary amount input",{"$f":"IF(B4=\"savings\",'inputs and results'!G16,'inputs and results'!G18)","v":0}]
["pension age",65]
["DOB",{"$f":"'inputs and results'!G6","v":"00:00:00"},{"$f":"DATE(B6+YEAR(B7),MONTH(B7),DAY(B7))","v":"1964-12-31"},{"$f":"IF(MONTH(B7)<=3,0,1)","v":0}]
["Quote date",{"$f":"'Variable information'!B5","v":"2024-10-22"},{"$f":"IF(MONTH(B8)<=3,1,0)","v":0},{"$f":"DATE(YEAR(B8)+1-C8,4,1)","v":"2025-04-01"},{"$f":"IF(MONTH(D8)<=3,1,0)","v":0}]
["Age at quote date",{"$f":"ROUNDDOWN((YEAR(B8)-YEAR($B$7)+(B8-DATE(YEAR(B8),MONTH($B$7),DAY($B$7)))/365),0)","v":124},null,{"$f":"ROUNDDOWN(YEAR(D8)-YEAR($B$7)+(D8-DATE(YEAR(D8),MONTH($B$7),DAY($B$7)))/365,0)","v":125}]
["No of 1 Aprils to PA",{"$f":"MAX(0,YEAR($C$7)-YEAR(B8)+C8+D7-1)","v":0},null,{"$f":"MAX(0,YEAR($C$7)-YEAR(D8)+E8+D7-1)","v":0}]
["m/f",{"$f":"'inputs and results'!G8","v":0},{"$f":"LEFT(B11)","v":"0"},{"$f":"IF(C3=\"self+\",8,IF(C11=\"f\",5,4))","v":8},{"$f":"IF(C3=\"self+\",7,IF(C11=\"f\",3,2))","v":7}]
["Lump sum calcs",null,null,null,"AMC calc",null,null,"New Perodical Calc"]
["factor below",{"$f":"VLOOKUP(INT($B$9),'factors - nuvos'!$A$4:$H$63,$E$11)","v":13.13},null,null,"column 1",{"$f":"INT(G2)","v":0},null,"Exact Factor",{"$f":"VLOOKUP(INT($D$9),'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92}]
["factor above",{"$f":"VLOOKUP(INT($B$9)+1,'factors - nuvos'!$A$4:$H$63,$E$11)","v":13.13},null,null,"age at quote",{"$f":"B9","v":124},null,"Contribution Factor",{"$f":"VLOOKUP($D$10,'factors - nuvos'!$J$4:$K$54,2)","v":1}]
["exact factor",{"$f":"B13","v":13.13},{"$f":"ROUND(B13+(B14-B13)*(B9-INT(B9)),4)","v":13.13},null,"factor below",{"$f":"VLOOKUP(INT(F14),'factors - nuvos'!A69:E128,$F$13+2)","v":1},null,"Exact Factor x Contribution Factor",{"$f":"I13*I14","v":13.92}]
["Aprils factor",{"$f":"VLOOKUP($B$10,'factors - nuvos'!$J$4:$K$54,2)","v":1},null,null,"factor above",{"$f":"VLOOKUP(INT(F14),'factors - nuvos'!A69:E128,F13+3)","v":1},null,"Monthly Rate",{"$f":"D21/I15*C2","v":0}]
["lump sum rate before AMC",{"$f":"ROUND(B15*B16,4)","v":13.13},null,null,"exact factor",{"$f":"ROUND(F15+(F16-F15)*(G2-INT(G2)),4)","v":1}]
["AMC adjustment",{"$f":"F17","v":1}]
["lump sum rate",{"$f":"ROUND(B17*B18,4)","v":13.13}]
[null,null,null,null,null,null,null,"Max"]
["required level of contribution",{"$f":"IF(D2=\"periodicals\",'inputs and results'!G16,0)","v":0},"per month",{"$f":"B21*12","v":0},{"$f":"I16","v":0},"annual pension",null,{"$f":"G3/(12*D22)","v":{"$error":"#N/A"}},"per month"]
[null,{"$f":"C2","v":0},"years",{"$f":"VLOOKUP(B22,A34:G83,7)","v":{"$error":"#N/A"}}]
[null,{"$f":"IF(D2=\"LS\",'inputs and results'!G16,0)","v":0},"lump sum",null,{"$f":"B23/B19","v":0},"annual pension",null,{"$f":"G3*B19","v":120796},"Lump sum"]
[]
["required amount of pension 1",{"$f":"IF(D2=\"LS\",'inputs and results'!G18,0)","v":0},"pa",null,{"$f":"B25*B19","v":0},"lump sum",null,{"$f":"G3","v":9200},"pension"]
["required pension 2",{"$f":"IF(D2=\"periodicals\",'inputs and results'!G18,0)","v":0},"pa",null,{"$f":"B26/(D22*12)","v":{"$error":"#N/A"}},"per month",null,{"$f":"G3","v":9200}]
[]
["Required answer",{"$f":"IF(AND(D2=\"LS\",B4=\"savings\"),E23,IF(AND(D2=\"periodicals\",B4=\"savings\"),E21,IF(D2=\"LS\",E25,E26)))","v":{"$error":"#N/A"}},null,"Max",{"$f":"INDEX(H21:H26,MATCH(B28,E21:E26,0))","v":{"$error":"#N/A"}},{"$f":"INDEX(B21:B26,MATCH(B28,E21:E26,0))","v":{"$error":"#N/A"}}]
[{"$f":"IF(F28>E28,\"The maximum contribution you can pay is \"&TEXT(E28,\"£#,###.00\")&\"\",\"\")","v":{"$error":"#N/A"}}]
[{"$f":"IF(C2>D10,\"The calculator cannot provide a result based upon the information you have entered. Please contact MyCSP for a quotation.\",\"\")","v":""}]
[]
["Periodicals calc"]
["Year","factor below","factor above","rate","Aprils","periodicals","cum purchase"]
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[5,{"$f":"VLOOKUP(INT($D$9+A38-1),'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},{"$f":"VLOOKUP(INT($D$9)+A38,'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},13.92,{"$f":"VLOOKUP(MAX(1,$D$10+1-A38),'factors - nuvos'!$J$4:$K$54,2)","v":1.02},14.198399999999999,0.35356096461573133]
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[7,{"$f":"VLOOKUP(INT($D$9+A40-1),'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},{"$f":"VLOOKUP(INT($D$9)+A40,'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},13.92,{"$f":"VLOOKUP(MAX(1,$D$10+1-A40),'factors - nuvos'!$J$4:$K$54,2)","v":1.02},14.198399999999999,0.49442190669371194]
[8,{"$f":"VLOOKUP(INT($D$9+A41-1),'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},{"$f":"VLOOKUP(INT($D$9)+A41,'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},13.92,{"$f":"VLOOKUP(MAX(1,$D$10+1-A41),'factors - nuvos'!$J$4:$K$54,2)","v":1.02},14.198399999999999,0.56485237773270225]
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[10,{"$f":"VLOOKUP(INT($D$9+A43-1),'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},{"$f":"VLOOKUP(INT($D$9)+A43,'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},13.92,{"$f":"VLOOKUP(MAX(1,$D$10+1-A43),'factors - nuvos'!$J$4:$K$54,2)","v":1.02},14.198399999999999,{"$f":"G42+1/F43","v":0.70571331981068286}]
[11,{"$f":"VLOOKUP(INT($D$9+A44-1),'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},{"$f":"VLOOKUP(INT($D$9)+A44,'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},13.92,{"$f":"VLOOKUP(MAX(1,$D$10+1-A44),'factors - nuvos'!$J$4:$K$54,2)","v":1.02},14.198399999999999,0.77614379084967311]
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[13,{"$f":"VLOOKUP(INT($D$9+A46-1),'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},{"$f":"VLOOKUP(INT($D$9)+A46,'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},13.92,{"$f":"VLOOKUP(MAX(1,$D$10+1-A46),'factors - nuvos'!$J$4:$K$54,2)","v":1.02},14.198399999999999,0.91700473292765361]
[14,{"$f":"VLOOKUP(INT($D$9+A47-1),'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},{"$f":"VLOOKUP(INT($D$9)+A47,'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},13.92,{"$f":"VLOOKUP(MAX(1,$D$10+1-A47),'factors - nuvos'!$J$4:$K$54,2)","v":1.02},14.198399999999999,0.98743520396664386]
[15,{"$f":"VLOOKUP(INT($D$9+A48-1),'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},{"$f":"VLOOKUP(INT($D$9)+A48,'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},13.92,{"$f":"VLOOKUP(MAX(1,$D$10+1-A48),'factors - nuvos'!$J$4:$K$54,2)","v":1.02},14.198399999999999,1.0578656750056341]
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[17,{"$f":"VLOOKUP(INT($D$9+A50-1),'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},{"$f":"VLOOKUP(INT($D$9)+A50,'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},13.92,{"$f":"VLOOKUP(MAX(1,$D$10+1-A50),'factors - nuvos'!$J$4:$K$54,2)","v":1.02},14.198399999999999,1.1987266170836146]
[18,{"$f":"VLOOKUP(INT($D$9+A51-1),'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},{"$f":"VLOOKUP(INT($D$9)+A51,'factors - nuvos'!$A$4:$H$63,$D$11)","v":13.92},13.92,{"$f":"VLOOKUP(MAX(1,$D$10+1-A51),'factors - nuvos'!$J$4:$K$54,2)","v":1.02},14.198399999999999,1.2691570881226049]
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[]
[]
["as at date",{"$f":"IF(B2=\"lump sum\",B8,D8)","v":"2025-04-01"}]

{"sheet":"Variable information","index":2,"n_rows":7,"n_cols":6,"rows_kept":7,"cut":false,"hidden":true,"merged":[]}
["Note: Use AMC yield of 0.00 from July 2012 onwards"]
[]
["AMC yield",0,"%","2012-07-01",null,"2007-07-30"]
[]
["Quote date",{"$f":"MAX(TODAY(),$F$3)","v":"2024-10-22"},null,"dd/mm/yyyy","Note: uses the later of 30 July 2007 and today's date"]
[]
["HMT max",9000,null,"2009/10"]

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[null,"lump sum",null,"periodicals",null,null,"lump sum","periodicals",null,null,"Revaluation"]
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[71,14.02,14.02,14.66,14.66,null,15.11,16.12]
[72,13.46,13.46,14.04,14.04,null,14.55,15.48]
[73,12.9,12.9,13.41,13.41,null,13.98,14.85]
[74,12.34,12.34,12.81,12.81,null,13.42,14.23]
[75,12.07,12.07,12.51,12.51,null,13.13,13.92]
[]
[]
["AMC"]
[null,"Yield"]
["Age ",0,0.01,0.02,0.03,null,null,"Note"]
[16,1,1,1,1,null,null,"Added Pension factors revised July 2012"]
[17,1,1,1,1]
[18,1,1,1,1]
[19,1,1,1,1,null,null,"Factors updated to website in July 2012"]
[20,1,1,1,1]
[21,1,1,1,1]
[22,1,1,1,1]
[23,1,1,1,1]
[24,1,1,1,1]
[25,1,1,1,1]
[26,1,1,1,1]
[27,1,1,1,1]
[28,1,1,1,1]
[29,1,1,1,1]
[30,1,1,1,1]
[31,1,1,1,1]
[32,1,1,1,1]
[33,1,1,1,1]
[34,1,1,1,1]
[35,1,1,1,1]
[36,1,1,1,1]
[37,1,1,1,1]
[38,1,1,1,1]
[39,1,1,1,1]
[40,1,1,1,1]
[41,1,1,1,1]
[42,1,1,1,1]
[43,1,1,1,1]
[44,1,1,1,1]
[45,1,1,1,1]
[46,1,1,1,1]
[47,1,1,1,1]
[48,1,1,1,1]
[49,1,1,1,1]
[50,1,1,1,1]
[51,1,1,1,1]
[52,1,1,1,1]
[53,1,1,1,1]
[54,1,1,1,1]
[55,1,1,1,1]
[56,1,1,1,1]
[57,1,1,1,1]
[58,1,1,1,1]
[59,1,1,1,1]
[60,1,1,1,1]
[61,1,1,1,1]
[62,1,1,1,1]
[63,1,1,1,1]
[64,1,1,1,1]
[65,1,1,1,1]
[66,1,1,1,1]
[67,1,1,1,1]
[68,1,1,1,1]
[69,1,1,1,1]
[70,1,1,1,1]
[71,1,1,1,1]
[72,1,1,1,1]
[73,1,1,1,1]
[74,1,1,1,1]
[75,1,1,1,1]