Further to my previous posts where I was fretting about the accuracy of the calculators and the average salary I can now report back! I received the official notification of my pension yesterday. I am taking early retirement at the end of this term (Dec 31st 2015) at the age of 58 years 9 months. I worked everything out using the Actuarily Reduced calculator in the TPS site, using the quoted 'average salary' for my salary input. This figure was quite a bit higher than my actual salary and I was worried that something was wrong and that I might receive less than I thought. The figures I got from the calculator were pretty much spot on, much to my relief. I will be able to pay off my mortgage with my lump sum and have a tiny bit left over and my monthly pension will give me more disposable income than I currently have while working because I will have no mortgage payments to make. I'll probably get run over by a bus now, lol! Thought this might be useful to others playing with the calculators and wondering how accurate they are.