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{"sheet":"Disclaimer","index":0,"n_rows":27,"n_cols":4,"rows_kept":27,"cut":false,"hidden":false,"merged":[[24,1,24,5],[6,1,6,5],[9,1,9,5],[8,1,8,5],[11,1,11,5],[12,1,12,5],[14,1,14,5],[18,1,20,5]]}
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[null,"Welcome to the Single Public Service Pension Scheme Estimator for Primary Teachers!"]
[]
[null,"Our pension estimator is designed exclusively for teachers in the Single Public Service Pension Scheme "]
[null,"(generally those who entered teaching from 1st January 2013 onwards)."]
[]
[null,"It has been developed by the independent actuarial advisors, Trident Consulting."]
[null,"It will help you to estimate what your retirement benefits should be."]
[]
[null,"To estimate your retirement benefits, you will need the following:"]
[null,null,"ü ","Recent payslip"]
[null,null,"ü  ","AVC Benefit Statement (if you are currently purchasing AVCs)"]
[]
[null,"Please note:  This  estimator  is an illustration of your future retirement benefits under the Single Public Service Pension Scheme based on estimates of future experience. The benefits illustrated are not guaranteed. The document does not constitute financial advice. Your actual retirement benefits will depend on the Scheme rules as they apply to you on retirement."]
[]
[]
[]
[null,"   The data you input on this estimator will not be stored by the INTO or Cornmarket and will not be used for any other purpose."]
[]
[null,"Important: Microsoft Excel with macros enabled is required to use this estimator, which should be run on a PC or Laptop.\nPlease note, to save a copy of the estimation as a pdf you will need to have Adobe on your PC or Laptop."]
[]
[null,"   If you agree to these terms, please click here to proceed:"]

{"sheet":"Pause","index":1,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"Inputs","index":2,"n_rows":77,"n_cols":28,"rows_kept":77,"cut":false,"hidden":false,"merged":[[13,0,13,1],[0,3,0,7],[0,16,0,19],[0,21,0,23],[1,0,1,1],[1,3,1,4],[1,6,1,7],[1,9,1,10],[0,9,0,10]]}
[null,null,null,"Salary Scale",null,null,null,null,null,"Other Allowances",null,null,"Purchase of Retirement Benefits Scheme: Purchase Rates",null,null,null,"Early Retirement Reduction Factors",null,null,null,null,"Historic Accrued Entitlements"]
["Inputs",null,null,"Original Salary Scale",null,null,"Altered Scale- 4, 8 & 12 omitted",null,null,"Specified Allowances",null,null,"Age Next Birthday","Cost of purchasing €1 Pension p.a. from age 66","Cost of purchasing €1 Lump-sum from age 66",null,"NRA","Age at Early Retirement","Pension Reduction Factor","Lump Sum Reduction Factor",null,"Year of Joining","Estimated Accrued Pension to 31/12/2020","Estimated Accrued Lump Sum to 31/12/2020"]
["Date of Birth","1992-05-06",null,"Point","€",null,"Point","€",null,"Category","€",null,66,23.89,1,null,66,60,0.81,0.98,null,2013,1647.5426985914589,10652.215723651674]
["Teacher Start Date","2013-09-01",null,1,{"$f":"37692","v":37692},null,1,{"$f":"E4","v":37692},null,"Teachers with 35 years' service",2446,null,65,23.92,1,null,null,null,null,null,null,2014,1403.1756279752246,9072.2562153570561]
["Current Point on Salary Scale",10,null,2,{"$f":"39235","v":39235},null,{"$f":"G4+1","v":2},{"$f":"E5","v":39235},null,null,null,null,64,23.96,1,null,null,null,null,null,null,2015,1184.2754227825742,7656.9531645425059]
["Current Full Time/Part-Time %",1,null,3,{"$f":"40996","v":40996},null,3,{"$f":"E6","v":40996},null,null,null,null,63,24,0.99,null,null,null,null,null,null,2016,966.37557754960903,6248.1179582948853]
["Current Value of AVCs",0,null,4,{"$f":"41800","v":41800},null,{"$f":"G6+2","v":5},{"$f":"E8","v":42932},null,null,null,null,62,24.03,0.99,null,null,null,null,null,null,2017,745.1130950875654,4817.5415630661555]
["Post of Responsibility",0,null,5,{"$f":"42932","v":42932},null,6,{"$f":"E9","v":44299},null,null,null,null,61,24.07,0.99,null,null,null,null,null,null,2018,513.60944350447016,3320.7507123133855]
["Other Allowances",0,null,6,{"$f":"44299","v":44299},null,7,45834,null,null,null,null,60,24.1,0.99,null,null,null,null,null,null,2019,290.05866848693472,1875.3793221138023]
[null,null,null,7,{"$f":"45834","v":45834},null,{"$f":"G9+2","v":9},{"$f":"E12","v":48671},null,null,null,null,59,24.14,0.98,null,null,null,null,null,null,2020,72.752164377230542,470.38037312864577]
["AVC entered (€ per fortnight increasing with salary p.a.)",0,null,8,{"$f":"47380","v":47380},null,10,{"$f":"E13","v":50977},null,null,null,null,58,24.17,0.98]
["AVC used (€ per fortnight increasing with salary p.a.)",{"$f":"IF(B11=0,40,B11)","v":40},null,9,{"$f":"48671","v":48671},null,11,52410,null,null,null,null,57,24.21,0.98]
[null,null,null,10,{"$f":"50977","v":50977},null,{"$f":"G12+2","v":13},{"$f":"E16","v":55828},null,null,null,null,56,24.25,0.98]
["Calculation Inputs",null,null,11,{"$f":"52410","v":52410},null,14,{"$f":"E17","v":57546},null,null,null,null,55,24.28,0.97]
["Calculation Date","2020-12-31",null,12,{"$f":"54123","v":54123},null,15,{"$f":"E18","v":58981},null,null,null,null,54,24.32,0.97]
["Accrual Rate to Cap",5.7999999999999996E-3,null,13,{"$f":"55828","v":55828},null,16,60882,null,null,null,null,53,24.36,0.97]
["Accrual Rate over Cap",1.2500000000000001E-2,null,14,{"$f":"57546","v":57546},null,17,60882,null,null,null,null,52,24.39,0.97]
["Lump Sum accrual rate",3.7499999999999999E-2,null,15,{"$f":"58981","v":58981},null,18,60882,null,null,null,null,51,24.43,0.96]
["State Contributory Pension (weekly)",{"$f":"248.3","v":248.3},null,16,{"$f":"60882","v":60882},null,19,63504,null,null,null,null,50,24.46,0.96]
[null,null,null,17,{"$f":"60882","v":60882},null,20,63504,null,null,null,null,49,24.5,0.96]
[null,null,null,18,{"$f":"60882","v":60882},null,21,63504,null,null,null,null,48,24.54,0.96]
[null,null,null,19,{"$f":"63504","v":63504},null,22,63504,null,null,null,null,47,24.57,0.95]
[null,null,null,20,{"$f":"63504","v":63504},null,23,66968,null,null,null,null,46,24.61,0.95]
[null,null,null,21,{"$f":"63504","v":63504},null,24,66968,null,null,null,null,45,24.65,0.95]
[null,null,null,22,{"$f":"63504","v":63504},null,25,66968,null,null,null,null,44,24.68,0.95]
[null,null,null,23,{"$f":"66968","v":66968},null,26,66968,null,null,null,null,43,24.72,0.95]
[null,null,null,24,{"$f":"66968","v":66968},null,27,70795,null,null,null,null,42,24.76,0.94]
[null,null,null,25,{"$f":"66968","v":66968},null,{"$f":"G27","v":27},{"$f":"H27","v":70795},null,null,null,null,41,24.79,0.94]
[null,null,null,26,{"$f":"66968","v":66968},null,{"$f":"G28","v":27},{"$f":"H28","v":70795},null,null,null,null,40,24.83,0.94]
[null,null,null,27,{"$f":"70795","v":70795},null,{"$f":"G29","v":27},70795,null,null,null,null,39,24.87,0.94]
[null,null,null,null,null,null,{"$f":"G30","v":27},70795,null,null,null,null,38,24.91,0.93]
[null,null,null,null,null,null,27,70795,null,null,null,null,37,24.94,0.93]
[null,null,null,null,null,null,27,70795,null,null,null,null,36,24.98,0.93]
[null,null,null,null,null,null,27,70795,null,null,null,null,35,25.02,0.93]
[null,null,null,null,null,null,27,70795,null,null,null,null,34,25.05,0.92]
[null,null,null,null,null,null,27,70795,null,null,null,null,33,25.09,0.92]
["Age",28,29,null,null,null,27,70795,null,null,null,null,32,25.13,0.92,53,54,55,56,57,61,62,63,64,65,66,67,68]
["Scheme pension",0,214.32739999999998,null,null,null,27,70795,null,null,null,null,31,25.17,0.92,14943.862169570648,16116.920515348029,17328.924995609832,18580.94018320752,19874.057428154108,25480.347720814712,26996.328700839738,28560.559350259929,30174.337388096843,31838.992913571929,33555.889182383849,35326.423401167885,37152.027540557268]
["Lump Sum",0,1385.7375,null,null,null,27,70795,null,null,null,null,30,25.2,0.92,81487.111154033089,87249.016468086571,93199.491331402576,99343.662459034938,105686.78517562918,133158.5749907908,140580.00745012201,148234.80260761874,156129.20683100718,164269.62196689262,172662.60906306829,181314.89217793671,190233.36227905392]
[null,null,null,null,null,null,27,70795,null,null,null,null,29,25.24,0.91]
[null,null,null,null,null,null,27,70795,null,null,null,null,28,25.28,0.91]
[null,null,null,null,null,null,27,70795,null,null,null,null,27,25.32,0.91]
[null,null,null,null,null,null,27,70795,null,null,null,null,26,25.35,0.91]
[null,null,null,null,null,null,27,70795,null,null,null,null,25,25.39,0.9]
[null,null,null,null,null,null,27,70795,null,null,null,null,24,25.43,0.9]
[null,null,null,null,null,null,27,70795,null,null,null,null,23,25.47,0.9]
[null,null,null,null,null,null,27,70795,null,null,null,null,22,25.51,0.9]
[null,null,null,null,null,null,27,70795,null,null,null,null,21,25.54,0.9]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]
[null,null,null,null,null,null,27,70795]

{"sheet":"Assumptions","index":3,"n_rows":10,"n_cols":7,"rows_kept":10,"cut":false,"hidden":false,"merged":[[0,0,0,1]]}
["Assumptions",null,null,"ILIM Balanced Fund",null,{"$f":"DATE(2020,1,31)","v":"2020-01-31"}]
["Benefit Deflation p.a.",1.4999999999999999E-2,null,null,"Asset Split","SAI Assumption","Assumed Return"]
["Salary Inflation (above increments) p.a.",1.4999999999999999E-2,null,"Equities",0.60899999999999999,4.4999999999999998E-2,{"$f":"F3*E3","v":2.7404999999999999E-2}]
["State Pension Increases p.a.",{"$f":"B3","v":1.4999999999999999E-2},null,"Fixed Interest",0.313,{"$f":"1%","v":0.01},{"$f":"F4*E4","v":3.13E-3}]
["Pre Retirement Investment Return p.a. > 9 years to NRA",{"$f":"G8","v":3.3729999999999996E-2},null,"Property",7.0999999999999994E-2,{"$f":"F3","v":4.4999999999999998E-2},3.1949999999999995E-3]
["Pre Retirement Investment Return p.a. <= 1 year to NRA",0,null,"Cash",7.0000000000000001E-3,{"$f":"0%","v":0},0]
["Pre Retirement Investment Return p.a. < 9 years to NRA","Proportionately reducing from point 5 to point 6 above",null,"Alternatives",0,null,0]
["AMC","1% < €40k, 0.75% from €40k - €140k, 0.5% > €140k",null,"Total",{"$f":"SUM(E3:E7)","v":0.99999999999999989},null,{"$f":"SUM(G3:G7)","v":3.3729999999999996E-2}]
["Allocation Rate",1]
["AVC Set Up Fee Year 1 only",{"$f":"595","v":595}]

{"sheet":"Contributions & benefits at NRA","index":4,"n_rows":69,"n_cols":30,"rows_kept":69,"cut":false,"hidden":false,"merged":[]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Early Retirement Reduction Factors"]
[null,null,null,null,null,null,null,null,null,null,"Current Date",{"$f":"TODAY()","v":"2021-05-20"},null,null,"Pension","Lump Sum"]
[null,null,null,null,null,null,null,null,null,null,"NRA",{"$f":"66","v":66},null,60,{"$f":"VLOOKUP($L$3,Inputs!$Q$3:$T$5,3,FALSE)","v":0.81},{"$f":"VLOOKUP($L$3,Inputs!$Q$3:$T$5,4,FALSE)","v":0.98}]
[null,null,null,null,null,null,null,null,null,null,"NRA less 1 Year",{"$f":"L3-1","v":65}]
[null,"Point on scale","Salary Scale","Posts of Responsibility Allowance - Multiplier 26.09","Other Allowances - Multiplier 26.09","Teachers with 34 years' service Allowance","Total Pensionable Salary","AVCs (fortnightly)",null,null,"Age","Service","Total Pensionable Salary with salary growth","State pension","3.74* State pension","Annual pension accrual","Annual lump sum accrual","Cumulative pension","Cumulative lump sum","Existing AVC Fund","Future AVCs (fortnightly)",null,null,"AMC","Investment Return","Assumed Investment Return (less AMC)",null,"Age next birthday","Pension Purchase Rates","Lump Sum Purchase Rates"]
["Starting position",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(YEAR(Inputs!$B$4),Inputs!$V$3:$X$10,2,FALSE)*Inputs!$B$6,0)","v":1647.5426985914589},{"$f":"IFERROR(VLOOKUP(YEAR(Inputs!$B$4),Inputs!$V$3:$X$10,3,FALSE)*Inputs!$B$6,0)","v":10652.215723651674},{"$f":"Inputs!B7","v":0}]
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{"sheet":"Output","index":5,"n_rows":34,"n_cols":5,"rows_kept":34,"cut":false,"hidden":false,"merged":[[1,0,1,4],[11,0,11,4],[19,0,19,1],[25,0,25,1],[30,0,30,1]]}
["Single Public Service Pension Scheme at Normal Retirement Age"]
["Output"]
[null,"Current Day Value"]
["Scheme Pension",{"$f":"VLOOKUP(65,'Contributions & benefits at NRA'!$K$7:$AD$69,8,FALSE)*(1+Assumptions!$B$2)^('Contributions & benefits at NRA'!$K$7-'Contributions & benefits at NRA'!$L$3)","v":20838.871904218478},"equivalent to",{"$f":"B4/(VLOOKUP(66,'Contributions & benefits at NRA'!$K$7:$AD$69,3,FALSE)*Inputs!$B$6*(1+Assumptions!$B$2)^('Contributions & benefits at NRA'!$K$7-66))","v":0.28452467749236737},"of retiring salary"]
["State Contributory Pension",{"$f":"Inputs!B19*52.18","v":12956.294},"equivalent to",{"$f":"B5/(VLOOKUP(66,'Contributions & benefits at NRA'!$K$7:$AD$69,3,FALSE)*Inputs!$B$6*(1+Assumptions!$B$2)^('Contributions & benefits at NRA'!$K$7-66))","v":0.17689946887672206},"of retiring salary"]
["Total Pension",{"$f":"B5+B4","v":33795.165904218476},"equivalent to",{"$f":"D5+D4","v":0.46142414636908946},"of retiring salary"]
["PLUS"]
["Scheme Lump Sum",{"$f":"VLOOKUP(65,'Contributions & benefits at NRA'!$K$7:$AD$69,9,FALSE)*(1+Assumptions!$B$2)^('Contributions & benefits at NRA'!$K$7-'Contributions & benefits at NRA'!$L$3)","v":104037.76543396385},"equivalent to",{"$f":"B8/(VLOOKUP(66,'Contributions & benefits at NRA'!$K$7:$AD$69,3,FALSE)*Inputs!$B$6*(1+Assumptions!$B$2)^('Contributions & benefits at NRA'!$K$7-66))","v":1.4204853215270661},"of retiring salary"]
["Excludes the Current Value of AVCs input"]
[]
["Single Public Service Pension Scheme at Early Retirement Age 60"]
["Output"]
[null,"Current Day Value"]
["SPSPS Pension",{"$f":"IFERROR(VLOOKUP(59,'Contributions & benefits at NRA'!$K$7:$AD$69,8,FALSE)*(1+Assumptions!$B$2)^('Contributions & benefits at NRA'!$K$7-60)*'Contributions & benefits at NRA'!$O$3,0)","v":14050.374016951662},"equivalent to",{"$f":"IFERROR(B14/(VLOOKUP(60,'Contributions & benefits at NRA'!$K$7:$AD$69,3,FALSE)*Inputs!$B$6*(1+Assumptions!$B$2)^('Contributions & benefits at NRA'!$K$7-60)),0)","v":0.19183755023759455},"of retiring salary"]
["PLUS"]
["SPSPS Lump Sum",{"$f":"IFERROR(VLOOKUP(59,'Contributions & benefits at NRA'!$K$7:$AD$69,9,FALSE)*(1+Assumptions!$B$2)^('Contributions & benefits at NRA'!$K$7-60)*'Contributions & benefits at NRA'!$P$3,0)","v":86046.034263215639},"equivalent to",{"$f":"IFERROR(B16/(VLOOKUP(60,'Contributions & benefits at NRA'!$K$7:$AD$69,3,FALSE)*Inputs!$B$6*(1+Assumptions!$B$2)^('Contributions & benefits at NRA'!$K$7-60)),0)","v":1.1748342357861805},"of retiring salary"]
["Excludes the Current Value of AVCs input"]
[]
["AVC Scheme"]
["Output"]
[null,"Current Day Value"]
["Cumulative AVC fund at normal retirement age",{"$f":"(VLOOKUP(65,'Contributions & benefits at NRA'!$K$7:$AD$69,11,FALSE)+VLOOKUP(65,'Contributions & benefits at NRA'!$K$7:$AD$69,10,FALSE))*(1+Assumptions!$B$2)^('Contributions & benefits at NRA'!$K$7-'Contributions & benefits at NRA'!$L$3)","v":53094.618109251038}]
["Cumulative AVC fund at early retirement age",{"$f":"(VLOOKUP(59,'Contributions & benefits at NRA'!$K$7:$AD$69,11,FALSE)+VLOOKUP(59,'Contributions & benefits at NRA'!$K$7:$AD$69,10,FALSE))*(1+Assumptions!$B$2)^('Contributions & benefits at NRA'!$K$7-'Contributions & benefits at NRA'!$L$3)","v":43408.251365179211}]
[]
["Purchase of Retirement Benefits Scheme"]
["Output"]
[null,"Cost"]
["€1000 currently buys additional Pension of",{"$f":"1000/'Contributions & benefits at NRA'!AC7","v":39.682539682539684}]
["€1000 currently buys additional Lump Sum of",{"$f":"1000/'Contributions & benefits at NRA'!AD7","v":1086.9565217391305}]
[]
["Output Early"]
[null,"Cost"]
["€1000 currently buys additional Pension of",{"$f":"1000/'Contributions & benefits at NRA'!AC7*Inputs!S3","v":32.142857142857146}]
["€1000 currently buys additional Lump Sum of",{"$f":"1000/'Contributions & benefits at NRA'!AD7*Inputs!T3","v":1065.2173913043478}]

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[]
[]
[]
[]
["Single Public Service Pension Scheme Estimator"]
["for Primary Teachers"]
[]
["Your Projected Single Public Service Pension Scheme Retirement Benefits"]
[]
[]
["Based on the information you provided, we have estimated your projected benefits at retirement as "]
["follows. Please note all amounts are shown in current day values."]
[]
[]
["Normal Retirement Age (if you retire at 66)"]
[]
["Your retirement benefit","Per year","As a % of retiring salary"]
["Scheme Pension",{"$f":"TEXT(Output!B4,\"€###,##0\")","v":"€20,839"},{"$f":"TEXT(Output!D4,\"0%\")","v":"28%"}]
[]
["State Contributory Pension",{"$f":"TEXT(Output!B5,\"€###,##0\")","v":"€12,956"},{"$f":"TEXT(Output!D5,\"0%\")","v":"18%"}]
[]
["Total Pension ",{"$f":"TEXT(Output!B6,\"€###,##0\")","v":"€33,795"},{"$f":"TEXT(Output!D6,\"0%\")","v":"46%"}]
[null,"Plus"]
[null,"Once off ","As a % of retiring salary"]
["Scheme Lump Sum (tax free)",{"$f":"TEXT(Output!B8,\"€###,##0\")","v":"€104,038"},{"$f":"TEXT(Output!D8,\"0%\")","v":"142%"}]
[]
[]
[]
["Illustrations of added value if you decide to enhance your Single Public"]
["Service Pension Scheme: "]
[]
["The INTO AVC Scheme "]
[]
[{"$f":"\"Based on your current AVC value (if any) plus ongoing fortnightly contributions of \"&TEXT(Inputs!B12,\"€###,##0\")&\" increasing\"","v":"Based on your current AVC value (if any) plus ongoing fortnightly contributions of €40 increasing"}]
["in line with salary, we estimate an AVC value at retirement as below."]
[]
[]
["Projected AVC value at retirement",{"$f":"TEXT(Output!B22,\"€###,##0\")","v":"€53,095"}]
[]
[]
["The Purchase of Retirement Benefits Scheme"]
[]
["If you make a €1,000 payment to the Department of Education to purchase additional retirement "]
["benefits, we estimate you will receive one of the following:"]
[]
["Scheme Pension",{"$f":"TEXT(Output!B28,\"€###,##0\")&\" (per year)\"","v":"€40 (per year)"}]
["                                            or"]
["Scheme Lump Sum (tax free)",{"$f":"TEXT(Output!B29,\"€###,##0\")&\" (once off)\"","v":"€1,087 (once off)"}]
[]
["Early Retirement (if you retire at 60)"]
[]
["It is important to be aware that retirement prior to State Pension age (currently 66) results in a"]
["reduced pension which takes account of the projected payment of pension over a longer period. "]
[]
[]
["Your retirement benefit","Per year","As a % of retiring salary"]
["Scheme Pension",{"$f":"IF(Output!B14=0,\"N/A\",TEXT(Output!B14,\"€###,##0\"))","v":"€14,050"},{"$f":"IF(Output!B14=0,\"N/A\",TEXT(Output!D14,\"0%\"))","v":"19%"}]
[]
["State Contributory Pension","From State Pension Age"]
[]
["Total Pension ",{"$f":"B57","v":"€14,050"},{"$f":"C57","v":"19%"}]
[null,"Plus"]
[null,"Once off ","As a % of retiring salary"]
["Scheme Lump Sum (tax free)",{"$f":"IF(Output!B14=0,\"N/A\",TEXT(Output!B16,\"€###,##0\"))","v":"€86,046"},{"$f":"IF(Output!B14=0,\"N/A\",TEXT(Output!D16,\"0%\"))","v":"117%"}]
[]
["The INTO AVC Scheme "]
[]
[{"$f":"\"Based  on  your current AVC value (if any) plus ongoing fortnightly contributions of \"&TEXT(Inputs!B12,\"€###,##0\")&\" increasing\"","v":"Based  on  your current AVC value (if any) plus ongoing fortnightly contributions of €40 increasing"}]
["in line with with salary, we estimate an AVC value at retirement as below."]
[]
[]
["Projected AVC value at retirement",{"$f":"IF(ISNA(Output!B23),\"N/A\",TEXT(Output!B23,\"€###,##0\"))","v":"€43,408"}]
[]
["The Purchase of Retirement Benefits Scheme"]
[]
["If  you  make  a  €1,000  payment  to  the  Department  of  Education  to purchase additional retirement "]
["benefits, we estimate you will receive one of the following:"]
[]
["Scheme Pension",{"$f":"IF('Contributions & benefits at NRA'!K7>=60,\"N/A\",TEXT(Output!B33,\"€###,##0\")&\" (per year)\")","v":"€32 (per year)"}]
["                                           or"]
["Scheme Lump Sum (tax free)",{"$f":"IF('Contributions & benefits at NRA'!K7>=60,\"N/A\",TEXT(Output!B34,\"€###,##0\")&\" (once off)\")","v":"€1,065 (once off)"}]
[]
["Increasing Your Retirement Benefits"]
[]
["You should consider how the pension shown above would impact on your lifestyle over the period of "]
["your retirement."]
[]
["It is possible to make additional contributions in order to increase your retirement benefits. The two "]
["most tax efficient ways to do so are:"]
[]
["·         The INTO AVC Scheme and/or"]
["·         The Purchase of Retirement Benefits scheme"]
[]
["The  Schemes  operate quite differently. Please note, tax relief at your marginal tax rate (40% for most"]
["teachers) is  available  on  contributions to either scheme. So a €50 contribution would only cost you"]
["€30."]
[]
["The INTO AVC Scheme"]
[]
[{"$f":"\"If  you  were  to  contribute  \"&TEXT(Inputs!B12,\"€###,##0\")&\" per  fortnight  in  the AVC Scheme  until Normal  Retirement  Age, \"","v":"If  you  were  to  contribute  €40 per  fortnight  in  the AVC Scheme  until Normal  Retirement  Age, "}]
["together with the current  value  of  any AVCs  you have already made, this is estimated to give you"]
[{"$f":"\"an AVC fund at normal retirement age of \"&TEXT(Output!B22,\"€###,##0\")&\" in current day terms.\"","v":"an AVC fund at normal retirement age of €53,095 in current day terms."}]
[]
["On  retirement  you  can  decide (subject to revenue retirement rules) what you want to do with the  "]
["AVC  fund.  You can  maximise  the  tax free lump  sum  you  are  entitled  to and,  with  any  balance "]
["remaining,  choose  to  invest  it in  a  retirement  fund, take  it as taxable cash, or use it to purchase "]
["additional pension."]
[]
[{"$f":"\"A contribution of \"&TEXT(Inputs!B12,\"€###,##0\")&\" per fortnight is equivalent to \"&TEXT(Inputs!B12*52.18/2/'Contributions & benefits at NRA'!G7/Inputs!B6,\"0.0%\")&\" of your salary.\"","v":"A contribution of €40 per fortnight is equivalent to 2.0% of your salary."}]
[]
["Contributions  to  the  INTO AVC Scheme  are generally made through salary so you receive any tax "]
["relief  due  immediately.  It  is also  possible  to  make  lump  sum  contributions into the INTO AVC "]
["Scheme."]
[]
["The  above  estimated  benefits  assume  you  invest  in  the  default  investment strategy.   Trident "]
["Consulting  have  used  industry  guidance  and  current  economic  indicators  to  estimate future "]
["investment  returns.  Actual   investment   performance  could  be  significantly  different  to  the "]
["assumptions made and any such difference will impact the retirement benefits purchased by AVCs,"]
["as these will depend on your actual AVC value at retirement."]
[]
["If you would like to find out more about AVCs or have any queries, please contact Cornmarket on "]
["(01) 420 6794 or email customercontact@cornmarket.ie."]
[]
["The Purchase of Retirement Benefits Scheme"]
[]
["You  also  have  the  option  to  purchase  additional  retirement  benefits  from  the  Purchase  of"]
["Retirement  Benefits scheme. This scheme gives  you the option of purchasing additional pension "]
["and/or lump sum  once a  year, by a single payment to the Department of Education.  The  amount"]
["of  benefit you purchase does not depend on future investment conditions but is a defined benefit."]
[]
["As an example:"]
[]
[{"$f":"\"-         Purchasing additional pension of \"&TEXT(Output!B28,\"€###,##0\")& \" p.a. would cost you €1,000 currently\"","v":"-         Purchasing additional pension of €40 p.a. would cost you €1,000 currently"}]
[{"$f":"\"-         Purchasing additional lump sum of \"&TEXT(Output!B29,\"€###,##0\")& \" would cost you €1,000 currently\"","v":"-         Purchasing additional lump sum of €1,087 would cost you €1,000 currently"}]
[]
["(At present  a  purchase  may  only be done  by way of a single annual payment. It is hoped to"]
["secure  a scheme  of purchase  based on regular  contributions  through  salary deduction, but "]
["this is not yet in place.) "]
[]
["Each  year,  the  amount  of  benefits  you can purchase from this scheme will vary  depending on "]
["various  factors.  If  you  would like  to  purchase  benefits from  this scheme or have any queries, "]
["please visit the Department of Education website or email  singlepensionscheme@education.gov.ie."]
[]
["Get expert financial advice! "]
[]
["While INTO is not a financial advisor, the union can deal with questions about the operation of the "]
["pension scheme. "]
[]
["It is important to get expert financial advice when planning for your future. Cornmarket are experts "]
["in public sector finances with almost 50 years’ experience helping teachers just like you. Cornmarket "]
["representatives,  as  qualified financial  advisors (QFAs),  can  advise  you  on  all  of  your  retirement "]
["options, including the INTO AVC Scheme and the Purchase of Retirement Benefits Scheme."]
["To speak to a Cornmarket expert, please call (01) 420 6974."]
["Please visit the Department of Education website which includes a section on the Single Public"]
["Service Pension Scheme or email singlepensionscheme@education.gov.ie for more information."]
[]
["Assumptions"]
["The estimated  benefits  set  out  in this document  are dependent on the accuracy of the information"]
["you have provided as well as the assumptions used."]
["The estimates are personal to you and you alone. They would not give an accurate estimate of "]
["another teacher's benefits as that teacher will not have been born on the same day as you, started"]
["teaching at the same time as you, etc."]
[]
["The main assumptions used in this estimator are:"]
[]
["·       Salaries to increase by 1.5% each year more than existing salary scales."]
["·       Contributory State Pension is assumed to increase by 1.5% each year."]
["·       You are   assumed  to  have earned full entitlement to the Contributory State Pension"]
["                      by   normal  retirement  age  and  this  is   reflected  in  the  illustration  of  retirement"]
["                      benefits at normal retirement age above."]
["·       Your current work pattern is assumed to continue in future."]
["·       Historic etitlements to the scheme have been estimated based on your historic service"]
["                      in  the  scheme. This  is  a broad  approximation  only. Accurate  entitlements  will  be"]
["                      detailed in your Single Public Service Pension Scheme benefit statement, when available."]
["·       Amounts are all expressed in current day terms – so have been reduced by 1.5% each year. "]
["·       Investment  assumptions reflect guidance from the Society of Actuaries in Ireland,"]
["                     ASP PEN-12."]
["·      The AVC contribution will increase in line with salary."]
["·      The scheme lump sum is generally a tax free amount, however there are limits set by "]
["                     Revenue in relation to how much of a tax free lump sum each individual is entitled to. "]
["                     For most teachers this limit is 150% of final salary but could be less if a teacher has less"]
["                     than 20 years' service.  Revenue will also tax any amount of retirement lump sums which "]
["                     are greater than €200,000 (combination of all retirement lump sums received since 7th"]
["                     December 2005).   "]
[]
["Disclaimer"]
["This  document  is  an  estimate  of  your  future retirement benefits under the Single Public Service "]
["Pension  Scheme  based  on  the  information  you  have  inputted. The  benefits  illustrated  are not "]
["guaranteed. Your actual retirement benefits will depend on the rules of the Single Public Service"]
["Pension Scheme as they apply to you on retirement."]
[]
["This document does not constitute financial advice."]
[]
["The data you have inputted for this illustration is not stored by INTO or Cornmarket or used for any "]
["other purpose."]

{"sheet":"Accrued benefits","index":7,"n_rows":69,"n_cols":22,"rows_kept":69,"cut":false,"hidden":false,"merged":[[59,4,59,5],[65,4,65,5],[3,4,3,5],[14,4,14,5],[25,4,25,5],[35,4,35,5],[44,4,44,5],[52,4,52,5]]}
["Data taken from spreadsheet:","Comparison of Earnings 2021 Pay Deal rak"]
["1/3 portion applied to full year"]
["DOB",{"$f":"Inputs!$B$3","v":"1992-05-06"},null,null,null,null,null,null,null,"Link"]
["Starting position \n","Point on scale","Total Pensionable Salary","Age","State pension",null,"3.74* State pension","Annual pension accrual","Annual lump sum accrual","Uprating in the 12 months to end of year","Cumulative pension","Cumulative lump sum",null,"Year of Joining","Cumulative pension","Cumulative lump sum","RAK Figs","Join Date","Accrued Pension to 31/12/2020","Accrued Lump Sum to 31/12/2020","Compare"]
["2013-09-01",null,null,null,null,null,null,null,null,null,0,0,null,2013,{"$f":"K13","v":1642.7344751129754},{"$f":"L13","v":10602.53070673301},null,"New entrant starting 1/9/2013",1647.5426985914589,10652.215723651674,{"$f":"S5/O5","v":1.0029269632745443},{"$f":"T5/P5","v":1.0046861469485877}]
["1/9/13 to 31/8/14",1,30702,{"$f":"28","v":28},230.3,{"$f":"E6*52.18","v":12017.054},{"$f":"F6*3.74","v":44943.78196},{"$f":"MIN(C6,G6)*Inputs!$B$16+MAX(0,C6-G6)*Inputs!$B$17","v":178.07159999999999},{"$f":"C6*Inputs!$B$18","v":1151.325},0,{"$f":"K5+H6*(D7-D6)","v":178.07159999999999},{"$f":"L5+I6*(D7-D6)","v":1151.325},null,2014,{"$f":"K23","v":1403.1937424620435},{"$f":"L23","v":9072.3733348839032},null,"New entrant starting 1/9/2014",1403.1756279752246,9072.2562153570561,{"$f":"S6/O6","v":0.9999870905305015},0.99998709053050139]
["1/9/14 to 31/8/15",2,33168,{"$f":"ROUND(D6+1,0)","v":29},230.3,{"$f":"E7*52.18","v":12017.054},{"$f":"F7*3.74","v":44943.78196},{"$f":"MIN(C7,G7)*Inputs!$B$16+MAX(0,C7-G7)*Inputs!$B$17","v":192.37439999999998},{"$f":"C7*Inputs!$B$18","v":1243.8},1E-3,{"$f":"K6*(4/12*(1+J6)+8/12*(1+J7))+H7","v":370.56471439999996},{"$f":"L6*(4/12*(1+J6)+8/12*(1+J7))+I7","v":2395.89255},null,2015,{"$f":"K33","v":1183.8300493928843},{"$f":"L33","v":7654.0735952126124},null,"New entrant starting 1/9/2015",1184.2754227825742,7656.9531645425059,1.0003762139590209,1.0003762139590211]
["1/9/15 to 31/8/16","2,3",33754.5,{"$f":"ROUND(D7+1,0)","v":30},230.3,12017.054,44943.78196,{"$f":"MIN(C8,G8)*Inputs!$B$16+MAX(0,C8-G8)*Inputs!$B$17","v":195.77609999999999},{"$f":"C8*Inputs!$B$18","v":1265.79375},0,{"$f":"K7*(4/12*(1+J7)+8/12*(1+J8))+H8","v":566.46433597146665},{"$f":"L7*(4/12*(1+J7)+8/12*(1+J8))+I8","v":3662.4849308499997},null,2016,{"$f":"K42","v":966.38353435190777},{"$f":"L42","v":6248.1694031373336},null,"New entrant starting 1/9/2016",966.37557754960903,6248.1179582948853,0.99999176641362786,0.99999176641362786]
["1/9/16 to 31/8/17","3,4",36736,31,233.3,12173.594000000001,45529.241560000009,{"$f":"MIN(C9,G9)*Inputs!$B$16+MAX(0,C9-G9)*Inputs!$B$17","v":213.06879999999998},{"$f":"C9*Inputs!$B$18","v":1377.6},4.0000000000000001E-3,781.04370753405715,5049.8515573322657,null,2017,{"$f":"K50","v":745.11666462543917},{"$f":"L50","v":4817.5646419748227},null,"New entrant starting 1/9/2017",745.1130950875654,4817.5415630661555,0.99999520942418385,0.99999520942418374]
["1/9/17 to 31/8/18","4,5",40232.724999999991,32,238.3,12434.494000000001,46505.007560000005,{"$f":"MIN(C10,G10)*Inputs!$B$16+MAX(0,C10-G10)*Inputs!$B$17","v":233.34980499999995},{"$f":"C10*Inputs!$B$18","v":1508.7271874999997},7.0000000000000001E-3,1019.0797747792612,6588.8778541762576,null,2018,{"$f":"K57","v":513.60944350447028},{"$f":"L57","v":3320.7507123133851},null,"New entrant starting 1/9/2018",513.60944350447016,3320.7507123133855,0.99999999999999978,1.0000000000000002]
["1/9/18 to 31/8/19","5,6",41990.929274999995,33,243.3,12695.394,47480.773560000001,{"$f":"MIN(C11,G11)*Inputs!$B$16+MAX(0,C11-G11)*Inputs!$B$17","v":243.54738979499996},{"$f":"C11*Inputs!$B$18","v":1574.6598478124997},1.2999999999999999E-2,1273.8370420968331,8236.015358384695,null,2019,{"$f":"K63","v":290.05866848693478},{"$f":"L63","v":1875.3793221138026},null,"New entrant starting 1/9/2019",290.05866848693472,1875.3793221138023,0.99999999999999978,0.99999999999999989]
["1/9/19 to 31/8/20","6,9",45573.866463125007,34,248.3,12956.294,48456.539560000005,{"$f":"MIN(C12,G12)*Inputs!$B$16+MAX(0,C12-G12)*Inputs!$B$17","v":264.32842548612501},{"$f":"C12*Inputs!$B$18","v":1709.0199923671878},0,{"$f":"K11*(4/12*(1+J11)+8/12*(1+J12))+H12","v":1543.6854280987111},9980.7247506382173,null,2020,{"$f":"K68","v":72.901552805109446},{"$f":"L68","v":471.34624658475929},null,"New entrant starting 1/9/2020",72.752164377230542,470.38037312864577,0.99795081967213695,0.99795081967213706]
["1/9/20 to 31/12/2020","9,10",{"$f":"1/3*49744.4764875834","v":16581.4921625278},35,248.3,{"$f":"E13*52.18*1/3","v":4318.7646666666669},{"$f":"F13*3.74","v":16152.179853333335},{"$f":"MIN(C13,G13)*Inputs!$B$16+MAX(0,C13-G13)*Inputs!$B$17","v":99.049047014264147},{"$f":"C13*Inputs!$B$18","v":621.80595609479246},null,{"$f":"K12*(1+J12)+H13","v":1642.7344751129754},{"$f":"L12*(1+J12)+I13","v":10602.53070673301}]
[]
["Starting position \n01/09/2014","Point on scale","Total Pensionable Salary","Age","State pension",null,"3.74* State pension","Annual pension accrual","Annual lump sum accrual","Uprating in the 12 months to end of year","Cumulative pension","Cumulative lump sum",null,"RAK Queries:"]
["2014-09-01",null,null,null,null,null,null,null,null,null,0,0,null,"How best to apply historic CIP uprating? Proportionally or otherwise"]
["1/9/14 to 31/8/15",1,30702,29,230.3,{"$f":"E17*52.18","v":12017.054},{"$f":"F17*3.74","v":44943.78196},{"$f":"MIN(C17,G17)*Inputs!$B$16+MAX(0,C17-G17)*Inputs!$B$17","v":178.07159999999999},{"$f":"C17*Inputs!$B$18","v":1151.325},1E-3,{"$f":"K16+H17*(D18-D17)","v":178.07159999999999},{"$f":"L16+I17*(D18-D17)","v":1151.325},null,"Part-Time % application"]
["1/9/15 to 31/8/16",2,33168,{"$f":"ROUND(D17+1,0)","v":30},230.3,{"$f":"E18*52.18","v":12017.054},{"$f":"F18*3.74","v":44943.78196},{"$f":"MIN(C18,G18)*Inputs!$B$16+MAX(0,C18-G18)*Inputs!$B$17","v":192.37439999999998},{"$f":"C18*Inputs!$B$18","v":1243.8},0,{"$f":"K17*(4/12*(1+J17)+8/12*(1+J18))+H18","v":370.50535719999993},{"$f":"L17*(4/12*(1+J17)+8/12*(1+J18))+I18","v":2395.5087750000002}]
["1/9/16 to 31/8/17","2,3",35694.5,{"$f":"ROUND(D18+1,0)","v":31},230.3,12017.054,44943.78196,{"$f":"MIN(C19,G19)*Inputs!$B$16+MAX(0,C19-G19)*Inputs!$B$17","v":207.02809999999999},{"$f":"C19*Inputs!$B$18","v":1338.54375},4.0000000000000001E-3,{"$f":"K18*(4/12*(1+J18)+8/12*(1+J19))+H19","v":578.52147148586664},{"$f":"L18*(4/12*(1+J18)+8/12*(1+J19))+I19","v":3740.4405483999999}]
["1/9/17 to 31/8/18","3,4",39269.87999999999,32,233.3,12173.594000000001,45529.241560000009,{"$f":"MIN(C20,G20)*Inputs!$B$16+MAX(0,C20-G20)*Inputs!$B$17","v":227.76530399999993},{"$f":"C20*Inputs!$B$18","v":1472.6204999999995},7.0000000000000001E-3,809.75790431478163,5235.5036916903991]
["1/9/18 to 31/8/19","4,5",41060.22269166667,33,238.3,12434.494000000001,46505.007560000005,{"$f":"MIN(C21,G21)*Inputs!$B$16+MAX(0,C21-G21)*Inputs!$B$17","v":238.14929161166665},{"$f":"C21*Inputs!$B$18","v":1539.7583509375002},1.2999999999999999E-2,1056.8145328739108,6832.852583236493]
["1/9/19 to 31/8/20","5,6",43095.756660000006,34,243.3,12695.394,47480.773560000001,{"$f":"MIN(C22,G22)*Inputs!$B$16+MAX(0,C22-G22)*Inputs!$B$17","v":249.95538862800001},{"$f":"C22*Inputs!$B$18","v":1616.0908747500002},0,1311.3494511443644,8478.5524858471854]
["1/9/20 to 31/12/2020","6,9",{"$f":"1/3*47505.6679229375","v":15835.222640979166},35,248.3,{"$f":"1/3*E23*52.18","v":4318.7646666666669},16152.179853333335,{"$f":"MIN(C23,G23)*Inputs!$B$16+MAX(0,C23-G23)*Inputs!$B$17","v":91.844291317679151},{"$f":"C23*Inputs!$B$18","v":593.82084903671864},null,{"$f":"K22*(1+J22)+H23","v":1403.1937424620435},{"$f":"L22*(1+J22)+I23","v":9072.3733348839032}]
[]
[]
["Starting position \n01/09/2015","Point on scale","Total Pensionable Salary","Age","State pension",null,"3.74* State pension","Annual pension accrual","Annual lump sum accrual","Uprating in the 12 months to end of year","Cumulative pension","Cumulative lump sum"]
["2015-09-01",null,null,null,null,null,null,null,null,null,0,0]
["1/9/15 to 31/8/16",1,30906.68,30,230.3,{"$f":"E28*52.18","v":12017.054},{"$f":"F28*3.74","v":44943.78196},{"$f":"MIN(C28,G28)*Inputs!$B$16+MAX(0,C28-G28)*Inputs!$B$17","v":179.25874399999998},{"$f":"C28*Inputs!$B$18","v":1159.0004999999999},0,{"$f":"K27+H28*(D29-D28)","v":179.25874399999998},{"$f":"L27+I28*(D29-D28)","v":1159.0004999999999}]
["1/9/16 to 31/8/17",2,34814,{"$f":"ROUND(D28+1,0)","v":31},230.3,{"$f":"E29*52.18","v":12017.054},{"$f":"F29*3.74","v":44943.78196},{"$f":"MIN(C29,G29)*Inputs!$B$16+MAX(0,C29-G29)*Inputs!$B$17","v":201.9212},{"$f":"C29*Inputs!$B$18","v":1305.5249999999999},4.0000000000000001E-3,{"$f":"K28*(4/12*(1+J28)+8/12*(1+J29))+H29","v":381.65796731733326},{"$f":"L28*(4/12*(1+J28)+8/12*(1+J29))+I29","v":2467.6161679999996}]
["1/9/17 to 31/8/18",3,38617.819999999992,{"$f":"ROUND(D29+1,0)","v":32},230.3,12017.054,44943.78196,{"$f":"MIN(C30,G30)*Inputs!$B$16+MAX(0,C30-G30)*Inputs!$B$17","v":223.98335599999993},{"$f":"C30*Inputs!$B$18","v":1448.1682499999997},7.0000000000000001E-3,{"$f":"K29*(4/12*(1+J29)+8/12*(1+J30))+H30","v":607.93127112123716},{"$f":"L29*(4/12*(1+J29)+8/12*(1+J30))+I30","v":3930.5901150079985}]
["1/9/18 to 31/8/19",4,40242.357516666671,33,233.3,12173.594000000001,45529.241560000009,{"$f":"MIN(C31,G31)*Inputs!$B$16+MAX(0,C31-G31)*Inputs!$B$17","v":233.40567359666667},{"$f":"C31*Inputs!$B$18","v":1509.0884068750001},1.2999999999999999E-2,848.02418870023746,5482.9150131480865]
["1/9/19 to 31/8/20",5,42089.981414250004,34,238.3,12434.494000000001,46505.007560000005,{"$f":"MIN(C32,G32)*Inputs!$B$16+MAX(0,C32-G32)*Inputs!$B$17","v":244.12189220265},{"$f":"C32*Inputs!$B$18","v":1578.3743030343751},0,1095.8208523872552,7085.0486145727691]
["1/9/20 to 31/12/2020",7,{"$f":"1/3*45521.9984511875","v":15173.999483729167},35,243.3,{"$f":"1/3*E33*52.18","v":4231.7979999999998},15826.92452,{"$f":"MIN(C33,G33)*Inputs!$B$16+MAX(0,C33-G33)*Inputs!$B$17","v":88.009197005629161},{"$f":"C33*Inputs!$B$18","v":569.02498063984376},null,{"$f":"K32*(1+J32)+H33","v":1183.8300493928843},{"$f":"L32*(1+J32)+I33","v":7654.0735952126124}]
[]
[]
["Starting position \n01/09/2016","Point on scale","Total Pensionable Salary","Age","State pension",null,"3.74* State pension","Annual pension accrual","Annual lump sum accrual","Uprating in the 12 months to end of year","Cumulative pension","Cumulative lump sum"]
["2016-09-01",null,null,null,null,null,null,null,null,null,0,0]
["1/9/16 to 31/8/17",1,32889.006666666661,31,230.3,{"$f":"E38*52.18","v":12017.054},{"$f":"F38*3.74","v":44943.78196},{"$f":"MIN(C38,G38)*Inputs!$B$16+MAX(0,C38-G38)*Inputs!$B$17","v":190.75623866666663},{"$f":"C38*Inputs!$B$18","v":1233.3377499999997},4.0000000000000001E-3,{"$f":"K37+H38*(D39-D38)","v":190.75623866666663},{"$f":"L37+I38*(D39-D38)","v":1233.3377499999997}]
["1/9/17 to 31/8/18",2,37089.726666666655,{"$f":"ROUND(D38+1,0)","v":32},230.3,{"$f":"E39*52.18","v":12017.054},{"$f":"F39*3.74","v":44943.78196},{"$f":"MIN(C39,G39)*Inputs!$B$16+MAX(0,C39-G39)*Inputs!$B$17","v":215.12041466666659},{"$f":"C39*Inputs!$B$18","v":1390.8647499999995},7.0000000000000001E-3,{"$f":"K38*(4/12*(1+J38)+8/12*(1+J39))+H39","v":407.02119076533319},{"$f":"L38*(4/12*(1+J38)+8/12*(1+J39))+I39","v":2631.6025264999989}]
["1/9/18 to 31/8/19",3,39468.740441666661,{"$f":"ROUND(D39+1,0)","v":33},230.3,12017.054,44943.78196,{"$f":"MIN(C40,G40)*Inputs!$B$16+MAX(0,C40-G40)*Inputs!$B$17","v":228.91869456166663},{"$f":"C40*Inputs!$B$18","v":1480.0777665624998},1.2999999999999999E-2,{"$f":"K39*(4/12*(1+J39)+8/12*(1+J40))+H40","v":640.41711842541849},{"$f":"L39*(4/12*(1+J39)+8/12*(1+J40))+I40","v":4140.6279208539981}]
["1/9/19 to 31/8/20",4,40980.410993500009,34,233.3,12173.594000000001,45529.241560000009,{"$f":"MIN(C41,G41)*Inputs!$B$16+MAX(0,C41-G41)*Inputs!$B$17","v":237.68638376230004},{"$f":"C41*Inputs!$B$18","v":1536.7654122562503},0,880.87864303422862,5695.336054100615]
["1/9/20 to 31/12/2020",6,{"$f":"1/3*44226.6679229375","v":14742.222640979166},35,238.3,{"$f":"1/3*E42*52.18","v":4144.8313333333335},15501.669186666668,{"$f":"MIN(C42,G42)*Inputs!$B$16+MAX(0,C42-G42)*Inputs!$B$17","v":85.504891317679153},{"$f":"C42*Inputs!$B$18","v":552.83334903671869},null,{"$f":"K41*(1+J41)+H42","v":966.38353435190777},{"$f":"L41*(1+J41)+I42","v":6248.1694031373336}]
[]
[]
["Starting position \n01/09/2017","Point on scale","Total Pensionable Salary","Age","State pension",null,"3.74* State pension","Annual pension accrual","Annual lump sum accrual","Uprating in the 12 months to end of year","Cumulative pension","Cumulative lump sum"]
["2017-09-01",null,null,null,null,null,null,null,null,null,0,0]
["1/9/17 to 31/8/18",1,35506.013333333329,32,230.3,{"$f":"E47*52.18","v":12017.054},{"$f":"F47*3.74","v":44943.78196},{"$f":"MIN(C47,G47)*Inputs!$B$16+MAX(0,C47-G47)*Inputs!$B$17","v":205.9348773333333},{"$f":"C47*Inputs!$B$18","v":1331.4754999999998},7.0000000000000001E-3,{"$f":"K46+H47*(D48-D47)","v":205.9348773333333},{"$f":"L46+I47*(D48-D47)","v":1331.4754999999998}]
["1/9/18 to 31/8/19",2,37772.694575000001,{"$f":"ROUND(D47+1,0)","v":33},230.3,{"$f":"E48*52.18","v":12017.054},{"$f":"F48*3.74","v":44943.78196},{"$f":"MIN(C48,G48)*Inputs!$B$16+MAX(0,C48-G48)*Inputs!$B$17","v":219.08162853499999},{"$f":"C48*Inputs!$B$18","v":1416.4760465625},1.2999999999999999E-2,{"$f":"K47*(4/12*(1+J47)+8/12*(1+J48))+H48","v":427.28178951899997},{"$f":"L47*(4/12*(1+J47)+8/12*(1+J48))+I48","v":2762.5977770624995}]
["1/9/19 to 31/8/20",3,40192.605615250002,{"$f":"ROUND(D48+1,0)","v":34},230.3,12017.054,44943.78196,{"$f":"MIN(C49,G49)*Inputs!$B$16+MAX(0,C49-G49)*Inputs!$B$17","v":233.11711256845001},{"$f":"C49*Inputs!$B$18","v":1507.222710571875},0,{"$f":"K48*(4/12*(1+J48)+8/12*(1+J49))+H49","v":662.25045650869902},{"$f":"L48*(4/12*(1+J48)+8/12*(1+J49))+I49","v":4281.7917446683123}]
["1/9/20 to 31/12/2020",5,{"$f":"1/3*42861.8317845208","v":14287.277261506933},35,233.3,{"$f":"1/3*E50*52.18","v":4057.8646666666664},15176.413853333333,{"$f":"MIN(C50,G50)*Inputs!$B$16+MAX(0,C50-G50)*Inputs!$B$17","v":82.866208116740211},{"$f":"C50*Inputs!$B$18","v":535.77289730651},null,{"$f":"K49*(1+J49)+H50","v":745.11666462543917},{"$f":"L49*(1+J49)+I50","v":4817.5646419748227}]
[]
[]
["Starting position \n01/09/2013","Point on scale","Total Pensionable Salary","Age","State pension",null,"3.74* State pension","Annual pension accrual","Annual lump sum accrual","Uprating in the 12 months to end of year","Cumulative pension","Cumulative lump sum"]
["2018-09-01",null,null,null,null,null,null,null,null,null,0,0]
["1/9/18 to 31/8/19",1,36287.635183333332,33,230.3,{"$f":"E55*52.18","v":12017.054},{"$f":"F55*3.74","v":44943.78196},{"$f":"MIN(C55,G55)*Inputs!$B$16+MAX(0,C55-G55)*Inputs!$B$17","v":210.4682840633333},{"$f":"C55*Inputs!$B$18","v":1360.7863193749999},1.2999999999999999E-2,{"$f":"K54+H55*(D56-D55)","v":210.4682840633333},{"$f":"L54+I55*(D56-D55)","v":1360.7863193749999}]
["1/9/19 to 31/8/20",2,38465.453903250003,{"$f":"ROUND(D55+1,0)","v":34},230.3,{"$f":"E56*52.18","v":12017.054},{"$f":"F56*3.74","v":44943.78196},{"$f":"MIN(C56,G56)*Inputs!$B$16+MAX(0,C56-G56)*Inputs!$B$17","v":223.09963263885001},{"$f":"C56*Inputs!$B$18","v":1442.454521371875},0,{"$f":"K55*(4/12*(1+J55)+8/12*(1+J56))+H56","v":434.47994593312444},{"$f":"L55*(4/12*(1+J55)+8/12*(1+J56))+I56","v":2809.1375814641665}]
["1/9/20 to 31/12/2020",3,{"$f":"1/3*40929.0504679375","v":13643.016822645834},{"$f":"ROUND(D56+1,0)","v":35},230.3,{"$f":"1/3*E57*52.18","v":4005.6846666666665},14981.260653333335,{"$f":"MIN(C57,G57)*Inputs!$B$16+MAX(0,C57-G57)*Inputs!$B$17","v":79.129497571345823},{"$f":"C57*Inputs!$B$18","v":511.61313084921875},null,{"$f":"K56*(1+J56)+H57","v":513.60944350447028},{"$f":"L56*(1+J56)+I57","v":3320.7507123133851}]
[]
[]
["Starting position \n01/09/2018","Point on scale","Total Pensionable Salary","Age","State pension",null,"3.74* State pension","Annual pension accrual","Annual lump sum accrual","Uprating in the 12 months to end of year","Cumulative pension","Cumulative lump sum"]
["2019-09-01",null,null,null,null,null,null,null,null,null,0,0]
["1/9/19 to 31/8/20",1,36953.158203500003,34,230.3,{"$f":"E62*52.18","v":12017.054},{"$f":"F62*3.74","v":44943.78196},{"$f":"MIN(C62,G62)*Inputs!$B$16+MAX(0,C62-G62)*Inputs!$B$17","v":214.32831758029999},{"$f":"C62*Inputs!$B$18","v":1385.74343263125},0,{"$f":"K61+H62*(D63-D62)","v":214.32831758029999},{"$f":"L61+I62*(D63-D62)","v":1385.74343263125}]
["1/9/20 to 31/12/2020",2,{"$f":"1/3*39170.8711586042","v":13056.957052868065},{"$f":"ROUND(D62+1,0)","v":35},230.3,{"$f":"1/3*E63*52.18","v":4005.6846666666665},{"$f":"F63*3.74","v":14981.260653333335},{"$f":"MIN(C63,G63)*Inputs!$B$16+MAX(0,C63-G63)*Inputs!$B$17","v":75.730350906634769},{"$f":"C63*Inputs!$B$18","v":489.63588948255244},null,{"$f":"K62*(1+J62)+H63","v":290.05866848693478},{"$f":"L62*(1+J62)+I63","v":1875.3793221138026}]
[]
[]
["Starting position \n01/09/2019","Point on scale","Total Pensionable Salary","Age","State pension",null,"3.74* State pension","Annual pension accrual","Annual lump sum accrual","Uprating in the 12 months to end of year","Cumulative pension","Cumulative lump sum"]
["2020-09-01",null,null,null,null,null,null,null,null,null,0,0]
["1/9/20 to 31/12/2020",1,{"$f":"37630.4298502917","v":37630.429850291701},{"$f":"(A67-Inputs!$B$3)/365.25","v":28.323066392881589},230.3,{"$f":"E68*52.18","v":12017.054},{"$f":"F68*3.74","v":44943.78196},{"$f":"MIN(C68,G68)*Inputs!$B$16+MAX(0,C68-G68)*Inputs!$B$17","v":218.25649313169185},{"$f":"C68*Inputs!$B$18","v":1411.1411193859387},null,{"$f":"K67+H68*(D69-D68)","v":72.901552805109446},{"$f":"L67+I68*(D69-D68)","v":471.34624658475929}]
[null,null,null,{"$f":"(DATE(2021,1,1)-Inputs!$B$3)/365.25","v":28.657084188911703}]