ERRBO Cost-Benefit Calculator
See what buying out your early retirement reduction costs, what it buys you, and when it breaks even — then compare it against investing the same money in a bridging pot. New to ERRBO? Start with the ERRBO guide.
Illustrative estimates only — not tax, pension, or financial advice.
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NHS 2015 Scheme (England & Wales) · ERRBO agreements of 1–3 whole years
Illustrative estimates only — not tax, pension, or financial advice. This tool does the arithmetic on your assumptions; it doesn't tell you whether to buy an ERRBO.
Rates: NHSBSA ERRBO factsheet V12 (22 Aug 2024). Reduction factors: NHSBSA ARER factsheet V11 (2 Apr 2025). Both are subject to actuarial review — check the current factsheets and get a personal quotation before deciding.