The modellers
Choose the level of detail that suits you
Every tier builds on the last. We do things differently round here: not everyone needs every feature, so we believe you should pay for what you need and what you use. That means we can be really competitively priced, because we know many people will need our help year in, year out.
Not sure which one you need? Get help to CHOOSE — answer a few questions about your NHS pension and what you are trying to work out, and we will show you the tier and options that fit, what they cost, and why.
| Tier | Self-service | with PLUS | Concierge | Concierge + PLUS |
|---|---|---|---|---|
| Bronze | £50£41.67 | — | — | — |
| Silver | £100£83.33 | £200£166.67 | £250£208.33 | £350£291.67 |
| Gold | £150£125.00 | £250£208.33 | £300£250.00 | £400£333.33 |
| Platinum | — | — | £400£333.33 | £500£416.67 |
Platinum is only available with concierge included. Optional add-on for Silver and above: a 30-minute call with a senior AISMA-accredited specialist medical accountant — £250£208.33. A complexity surcharge of £50£41.67 applies to complex concierge cases. Prices shown includeexclude VAT.
Bronze
- Pension growth for 1995, 2008 & 2015
- Reckonable pay calculations (2008)
- GPs, consultants, residents, SAS & other NHS staff
- 24/25, 25/26 & 26/27
- Save & retrieve unlimited scenarios in our new Scenarios app
Silver
- All Bronze features
- Calculate if you have an AA charge
- Basic tapering calculations
- Navigating the £100k tax trap
- Save & retrieve unlimited scenarios in our new Scenarios app
Gold
- All Silver features
- Advanced tapering analysis & mitigations
- 'Scheme pays' cost analysis
- Save & retrieve unlimited scenarios in our new Scenarios app
Platinum
- All standard Gold features
- Forward modelling to partial/full retirement
- Scheme pays loans, past & future
- Income vs key thresholds incl. state pension
- Model promotions, salary sacrifice, increments
- Platinum is only available with concierge included
- Save & retrieve unlimited scenarios in our new Scenarios app
PLUS is not available with Bronze — it starts at Silver.
- Everything in the Silver modeller
- Add your own documents — payslips, 05, RPSS, PSS, HMRC, TRS/ABS — and refresh as often as you like
- 2 personalised video credits — a video talking through your Silver numbers ⓘ see an example
- Everything in the Gold modeller
- Add your own documents — payslips, 05, RPSS, PSS, HMRC, TRS/ABS — and refresh as often as you like
- Scheme pays break-even analysis
- 3 personalised video credits — videos talking through your Silver & Gold numbers ⓘ see an example
- Everything in the Platinum modeller
- Add your own documents — payslips, 05, RPSS, PSS, HMRC, TRS/ABS — and refresh as often as you like
- 5 personalised video credits — videos talking through your Silver, Gold & Platinum numbers ⓘ see an example
▶ See an example video in action
This is a Gold example. The Silver, Gold and Platinum videos are different and complementary — more on that below. Your video talks through your numbers — your pay, your pension, your tax position — not a generic walkthrough with someone else’s figures in it.
It isn’t AI generated nonsense. Every video is scripted by our experts around your actual figures, then recorded. That is why it can tell you what your numbers mean and what to do about them, rather than simply reading them back to you.
Run the scenarios you actually care about. Change your assumptions in the modeller — a promotion, going less than full time, salary sacrifice, retiring earlier — and get a video talking through that exact scenario, subject to the video credits you hold.
What one video credit gives you
Each credit covers recording a video (watching your videos back doesn’t consume your credits) at every tier you hold, not just the top one. On Platinum, a single credit gives you all three:
- Silver — annual allowance basics, your marginal rates, the £100,000 tax trap, and SIPP cost analysis.
- Gold — scheme pays, and how tapering applies to you.
- Platinum — your predicted future salary including any changes you want modelled (salary sacrifice, increments, promotion, stepping down), your pension prediction, your future taxable pay and how it interacts with the tax thresholds, and your predicted net weekly pay against your own target.
Extra video credits
- £8 each
- Buy 3, get 1 free — 4 videos for £24
- Buy 5, get 2 free — 7 videos for £40
Concierge (add-on)
A hands-on expert check of your figures. Officers and complex cases especially benefit — we routinely catch backpay and data errors before they cost you.
Concierge does not routinely include the personalised videos. PLUS can be added alongside it, so you can refresh your concierge-produced modeller with new documents as often as you like and get access to the videos.
PLUS (add-on)
Automatic document upload and reading — TRS, PSS, payslips and more — populating your modeller in seconds, as often as you like.
The personalised videos come with PLUS. Each tier has its own PLUS package — see Silver PLUS, Gold PLUS and Platinum PLUS above. ⓘ see an example
Release schedule
| When | What | Detail |
|---|---|---|
| Wednesday 19 August 2026 | General modeller release | The 26/27 modellers go live. This is the date NHSBSA are expected to update the TRS for 25/26. |
| Wednesday 19 August 2026 | Initial release of PLUS | Upload your own documents and refresh your modeller as often as you like. |
| Wednesday 19 August 2026 | Routine concierge opens | Non-GPs in England, Scotland and Wales. Turnaround initially one month from receipt of all required documents (for Silver concierge, Gold concierge, or for processing the concierge element of Platinum with included concierge). For members with no gap in service since April 2022; who have not retired or partially retired and are not retiring in 26/27; and who have a TRS or annual benefit statement (in Scotland, an ABS-RSS) or a manual pensions estimate. |
| Wednesday 14 October 2026 | Complex concierge opens (£50 surcharge) | One-month turnaround from receipt of all required documents. Same groups as routine concierge, but for those who have had a gap in service or in pension contributions since 2022 — or since 2015 for 2008 Scheme members. |
| Towards the end of the 26/27 tax year | Bespoke concierge | For cases the routine and complex services do not cover. Intended for GPs; for those who have retired or expect to retire in 26/27; and for other special circumstances, including members subject to a pension sharing order. |
Reserve a call with a specialist accountant (add-on)
On top of concierge and PLUS, you'll be able to add a 30-minute Teams call with a senior specialist medical accountant — AISMA accredited — who will have reviewed your modeller (with concierge) in advance. You'll be able to book with one of three senior specialist medical accountants (Associate Director to Partner level; minimum five years as a specialist medical accountant). The service is launching from 1 September 2026, subject to contract, with limited slots initially — so you'll be able to reserve your place with a fully refundable deposit that holds your position in the queue and puts you first in line to book when it opens. This is an educational service, not financial advice.
