Contribution rates
How much you pay towards your public sector pension is based on how much you earn. When you join the scheme, your employer works out your contribution rate based on the table below (and this is updated every April)*.
When you join the Local Government Pension Scheme, you and your employer pay contributions each month to cover the cost of your LGPS membership. Members (like you) pay about one quarter of the total scheme costs, while employers pay about three quarters.
In return, your membership gives you access to a wide range of pension benefits (based on how long you’ve been a member of the scheme). Here’s how it works.
You and your employer pay monthly contributions into the LGPS fund (as well as other members and employers)
And because your membership contributions are deducted from your earnings before tax, you pay even less. So, if you pay tax at a rate of 20%, every £1 you contribute only costs you 80p net.
The longer you are a member of the scheme (also known as service), the greater the financial benefits you receive.
The valuable benefits you have access to include a guaranteed pension, the option of a one-off lump sum payment and financial protection for the people you care about in the event of your death.
Local government (LGPS) scheme rates
| Annual Pensionable Pay | Normal contribution rate | 50 / 50 contribution rate |
| Up to £18,400 | 5.5% | 2.75% |
| £18,401 to £29,000 | 5.8% | 2.90% |
| £29,001 to £47,300 | 6.5% | 3.25% |
| £47,301 to £59,800 | 6.8% | 3.40% |
| £59,801 to £84,000 | 8.5% | 4.25% |
| £84,001 to £119,100 | 9.9% | 4.95% |
| £119,101 to £140,400 | 10.5% | 5.25% |
| £140,401 to £210,700 | 11.4% | 5.70% |
| £210,701 or more | 12.5% | 6.25% |
When you pay into the Local Government Pension Scheme, your contributions are deducted before income tax is applied to your earnings, meaning you pay less tax while also building a retirement income.
Members of a Local Government Pension Scheme can choose the 50/50 option and pay half the contributions you normally would in the main scheme for half the retirement income.
When you join the Firefighters’ Pension Scheme, you and your employer pay contributions each month to cover the cost of your membership.
In return, your membership gives you access to a wide range of pension benefits when you retire (based on how long you’ve been a member of the scheme). Here’s how it works.
You and your employer pay monthly contributions to cover the cost of your membership.
And because your membership contributions are deducted from your earnings before tax, you pay even less. So, if you pay tax at a rate of 20%, every £1 you contribute only costs you 80p net.
The more service you build (meaning the longer you are a member of the scheme), the greater the financial benefits you receive.
The valuable benefits you have access to include a guaranteed pension, the option of a one-off lump sum payment and financial protection for the people you care about in the event of your death.
Firefighter (FPS) 2015 scheme rates
| Annual Pensionable Pay | Contribution rate |
| Up to £36,130 | 11.09% |
| £36,131 to £45,407 | 12.59% |
| £45,408 to £66,908 | 14.09% |
| £66,908 to £190,691 | 15.590% |
| £190,692 or more | 17.09% |
1. Contributions are based on your actual pensionable pay, rather than whole‑time equivalent pay.
2. The above contribution rates apply from 1 April 2026.
3. From April 2027, these bands will increase each year in line with the Consumer Price Index.
| Annual Pensionable Pay | Contribution Rate |
| Up to and including £15,609 | 8.5% |
| More than £15,609 and up to and including £21,852 | 9.4% |
| More than £21,852 and up to and including £31,218 | 10.4% |
| More than £31,218 and up to and including £41,624 | 10.9% |
| More than £41,624 and up to and including £52,030 | 11.2% |
| More than £52,030 and up to and including £62,436 | 11.3% |
| More than £62,436 and up to and including £104,060 | 11.7% |
| More than £104,060 and up to and including £124,872 | 12.1% |
| More than £124,872 | 12.5% |
1. The amount of pensionable pay for a retained or volunteer firefighter for the purpose of the first column of the above table is that firefighter’s reference pay.
2. The amount of pensionable pay of a part-time firefighter for the purpose of the first column of the table must be the whole time equivalent amount.
| Annual pensionable pay | Contribution rate |
| Up to and including £15,609 | 11.0% |
| More than £15,609 and up to and including £21,852 | 12.2% |
| More than £21,852 and up to and including £31,218 | 14.2% |
| More than £31,218 and up to and including £41,624 | 14.7% |
| More than £41,624 and up to and including £52,030 | 15.2% |
| More than £52,030 and up to and including £62,436 | 15.5% |
| More than £62,436 and up to and including £104,060 | 16% |
| More than £104,060 and up to and including £124,872 | 16.5% |
| More than £124,872 | 17% |
1. The amount of pensionable pay for a retained or volunteer firefighter for the purpose of the first column of the above table is that firefighter’s reference pay.
2. The amount of pensionable pay of a part-time firefighter for the purpose of the first column of the table must be the whole time equivalent amount.
3. The contributions you pay as a Special Member are the same as the contribution rates payable by FPS 1992 members.
| Annual Pensionable Pay | Contribution Rate |
| Up to and including £15,609 | 11.0% |
| More than £15,609 and up to and including £21,852 | 12.2% |
| More than £21,852 and up to and including £31,218 | 14.2% |
| More than £31,218 and up to and including £41,624 | 14.7% |
| More than £41,624 and up to and including £52,030 | 15.2% |
| More than £52,030 and up to and including £62,436 | 15.5% |
| More than £62,436 and up to and including £104,060 | 16.0% |
| More than £104,060 and up to and including £124,872 | 16.5% |
| More than £124,872 | 17.0% |
1. The amount of pensionable pay for a retained or volunteer firefighter for the purpose of the first column of the above table is that firefighter’s reference pay.
2. The amount of pensionable pay of a part-time firefighter for the purpose of the first column of the table must be the whole time equivalent amount.
When you join the Police Pension Scheme, you and your employer pay contributions each month to cover the cost of your membership.
In return, your membership gives you access to a wide range of pension benefits when you retire (based on how long you’ve been a member of the scheme). Here’s how it works.
You and your employer pay monthly contributions to cover the cost of your membership.
And because your membership contributions are deducted from your earnings before tax, you pay even less. So, if you pay tax at a rate of 20%, every £1 you contribute only costs you 80p net.
The more service you build (meaning the longer you are a member of the scheme), the greater the financial benefits you receive.
The valuable benefits you have access to include a guaranteed pension, the option of a one-off lump sum payment and financial protection for the people you care about in the event of your death.
Police (PPS) 2015 scheme rates
| Pensionable Earnings | Full contribution rate | Reduced contribution rate |
| £37,035 or less | 12.88% | 10.38% |
| More than £37,035 but less than £79,588 | 13.88% | 11.38% |
| £79,588 or more | 14.22% | 11.72% |
1. Members who are ineligible for ill health benefits have a reduced contribution rate.
2. Contribution rates are now based on your actual pensionable pay from the previous scheme year rather than your full-time equivalent (FTE) earnings.
3. If you joined the Police Pension Scheme at the start of the previous scheme year or re-joined after a long period of unpaid leave, your contribution rate is based on your annual rate of pay at joining or re-joining the scheme until you have completed a full scheme year of service.
4. The above contribution rates apply from 1 April 2026.
| Basic annual salary | Contribution Rate |
| £27,000 or less | 11.00% |
| More than £27,000 but less than £60,000 | 12.05% |
| £60,000 or more | 12.75% |
1. Members who are ineligible for ill health benefits have a reduced contribution rate.
2. The full time equivalent basic annual salary is used in respect of a part-time officer for the purpose of the first column of the table.
| Basic annual salary | Contribution Rate |
| £27,000 or less | 14.25% |
| More than £27,000 but less than £60,000 | 14.25% |
| £60,000 or more | 15.05% |
1. Members who are ineligible for ill health benefits have a reduced contribution rate.
2. The full time equivalent basic annual salary is used in respect of a part-time officer for the purpose of the first column of the table.
When you pay into the pension scheme your employer does too, helping to build your future pension.
Every three years, an independent actuary calculates how much your employer should contribute to the scheme to pay the balance of the cost of providing your benefits. The amount will vary, but usually, you contribute approximately one third of the scheme’s costs and your employer contributes the rest.
Tax relief
Contributions are deducted from your salary before you pay tax. So, if you pay tax at the rate of 20%, every £1 that you contribute to the scheme only costs you 80p net.
