McCloud remedy
A court ruling that the 2015 UK public sector pension reforms were age-discriminatory, giving affected members a choice between legacy and reformed scheme benefits for the 2015-2022 period.
The McCloud/Sargeant judgement (2018) found that the protections given to older members during the 2015 pension reforms unlawfully discriminated against younger members. The remedy gives affected members — those in service on both 31 March 2012 and 1 April 2015 — a one-time choice at retirement about whether their service between 1 April 2015 and 31 March 2022 should be in their legacy scheme or the 2015 reformed scheme.
The exception is LGPS, which handles McCloud through the 'underpin' — an automatic adjustment rather than a member choice. The right choice for NHS, TPS, and civil service members depends entirely on individual circumstances.
This calculator provides estimates based on 2025/26 tax rates and is not financial advice. Scottish taxpayers are subject to different income tax rates and bands. The calculations assume your salary is your only source of income and do not account for benefits in kind or other taxable income.
For personalised guidance on your pension contributions, speak to an FCA-regulated financial adviser. You can find one via Unbiased or VouchedFor.