I retired 5 years early, that was over 3 years ago and I've never regretted a single nano second!! I am guessing that nearly all of your pension will be calculated on the old NPA60 scheme and so the recent pay increase would not have had much bearing on your pension. You should find that the "best 3 years in the last 10" calculation will give you a final salary similar to where the recent pay increase takes your salary to anyway. Don't let it bother you, I doubt you're missing out financially, just enjoy the freedom!! You can always pick up some supply work if you feel like it or, look for part-time work elsewhere. I do invigilating with a local university which I really enjoy. Happy retirement!!