PensionPostcode: Local Authority Pension Comparison
A directory and comparison tool focused specifically on UK local government pension schemes (LGPS) and how they fare under proposed reforms, aimed at public sector workers evaluating job moves or retirement timing.
UK public sector workers with LGPS or NHS pensions considering retirement timing
- Side-by-side comparison of LGPS funds by region with current contribution rates and accrual
- Scenario calculator showing how proposed changes affect your specific years of service
- Alerts when a local council publishes scheme valuation changes or benefit adjustments
- 'Move or stay' calculator for public sector workers comparing LGPS offers across authorities
Burnham's pitch is grounded in Greater Manchester authority, and regional pension variation is a real worry for public sector workers who might relocate
Andy Burnham trend is driven by press coverage of him being urged to tap £150bn LGPS surpluses for local economies — a policy story, not workers researching retirement options; 5.4m LGPS members exist but free calculators already serve them with no proven unserved demand.Burnham urged to tap up £150bn council pension surplus to boost local economies ↗LGPS Pension Calculator | Public Sector Calculators ↗
At least four direct competitors already offer LGPS or public-sector pension comparison/calculators (Public Sector Calculators, salarytax.uk, Jobs Go Public, ukcalculator.com), eroding the white-space claim for a new comparison tool.Public Sector Calculators – Pensions hub ↗UK Pension Comparison 2026/27 ↗Pension comparison tool | Jobs Go Public ↗
All major existing comparison tools are free, FCA rules constrain personalised pension recommendations to regulated advisers (costing £100s–£1000s), and public sector workers show weak willingness to pay for self-serve calculators.How Much Does a Pension Adviser Cost? UK Fees Guide 2026 ↗Pension advice charges: What you should pay in 2026 ↗
LGPS reforms are slow-moving but ongoing; the need persists across political cycles
Data is publicly available from LGPS funds' annual reports and scheme regulations; multiple existing calculators prove the build is tractable, though fragmented fund-level data and FCA boundaries around personal advice add implementation friction.Public Sector Pension Comparison 2026 ↗Adviser charging rules | FCA ↗