{"text_format":"1","workbook":"xlsx","n_sheets":5,"sheets":["inputs and results","calcs - premium","Variable information","factors - premium","ARR factors"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":0,"defined_names":2,"comments":3,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"inputs and results","index":0,"n_rows":49,"n_cols":13,"rows_kept":49,"cut":false,"hidden":false,"merged":[[34,2,34,11],[35,2,35,11],[36,2,36,11],[44,2,44,11],[37,2,37,11],[38,2,38,11],[39,2,39,11],[40,2,40,11],[41,2,41,11],[43,2,43,11],[32,2,32,11],[33,2,33,11],[0,3,0,9],[28,2,28,11],[29,2,29,11],[30,2,30,11],[31,2,31,11]]}
[null,null,null,"Added pension estimator -\nfor members of classic plus or premium"]
[null,"Please fill in all of the blue boxes and either one or other of the green boxes "]
[]
[null,"About you",null,null,null,null,null,null,null,null,null,null,{"$f":"'calcs - premium'!F6","v":"1965-11-25"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"female"]
[null,null,null,null,"What is your date of birth? ",null,null,null,null,null,null,null,"male"]
[]
[null,null,null,null,"What is your gender? ",null,null,null,null,null,null,null,{"$f":"\"You cannot buy more than \"&TEXT('calcs - premium'!G3,\"£0,000\")&\" added pension\"","v":"You cannot buy more than £9,200 added pension"}]
[]
[null,null,null,null,"Are you using Civil Service compensation to buy your added pension?  "]
[]
[null,"About your Added Pension"]
[]
[null,null,null,null,"How do you want to pay for your added pension? ",null,null,null,null,{"$f":"IF(G14=\"monthly contributions\",\"For how many years? \",\"\")","v":""},1,null,"lump sum"]
[null,null,null,null,null,null,null,null,null,null,null,null,"monthly contributions"]
[null,null,null,null,"At what age do you expect to draw your added pension? ",null,{"$f":"IF(DATEDIF(G6,NOW(),\"y\") < 60,60, DATEDIF(G6,NOW(),\"y\") + 1)","v":126}]
[null,null,null,null,null,null,null,null,{"$f":"'calcs - premium'!$A$83","v":"The calculator cannot provide a result based upon the information you have entered. Please contact the Civil Service Pension Scheme Administrator for a quotation."},null,null,null,"yes"]
[null,null,null,null,null,null,null,null,null,null,null,null,"no"]
[]
[null,"Either: ",null,null,"How much do you want to save? ",null,null,null,{"$f":"IF(G14=\"lump sum\",\" \",\"per month\")","v":"per month"},{"$f":"IF(AND(G20<>\"\",G22<>\"\"),\"please enter figures into only one of the orange boxes, leave the other blank\",\"\")","v":""}]
[]
[null,"Or: ",null,null,"How much pension do you want to buy? ",null,null,null,"a year ",{"$f":"IF(AND('calcs - premium'!D4=\" \",G22>'calcs - premium'!G3),M8,\" \")","v":" "}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(G20<>\"\",1,2)","v":2}]
[null,"Your results"]
[]
[null,null,null,null,{"$f":"IF(M23=1,\"Your savings will buy an annual pension of: \",\"This pension will cost you: \")","v":"This pension will cost you: "},null,{"$f":"IF(AND('calcs - premium'!B84=0,'calcs - premium'!C84=0,J22=\" \",J26=\"\"),'calcs - premium'!B28,\" \")","v":" "},null,{"$f":"IF(AND('calcs - premium'!D2=\"periodicals\",'calcs - premium'!B4<>\"savings\"),\"per month\",IF('calcs - premium'!B4=\"savings\",\"\",\"\"))","v":"per month"},{"$f":"IF('calcs - premium'!B4=\"savings\",'calcs - premium'!A29,\"\")","v":""}]
[]
[null,"Important notes:"]
[null,1,"The added pension estimator held on the Civil Service Pension website uses the latest calculation factors. These factors, and therefore the results, may be subject to change in the future."]
[null,2,"Please note that if you do not use the most recent version of the added pension estimator then the results will not be valid. The latest estimator is held on the Civil Service Pension Scheme website: www.civilservicepensionscheme.org.uk",null,null,null,null,null,null,null,null,null,"enter a date"]
[null,3,"The cost shown is the gross amount. You will normally get income tax relief on these contributions. If you make your payment through payroll the tax relief will be applied automatically. If you make a lump sum purchase by cheque you will have to claim tax relief from HM Revenue & Customs.",null,null,null,null,null,null,null,null,null,52]
[null,4,"As well as providing extra pension for you, added pension will provide a pension for your dependants after your death. The dependants' pension will normally be 3/8 of your added pension.",null,null,null,null,null,null,null,null,null,54]
[null,5,"In most circumstances your added pension will come into payment at the same time as your core pension. If you draw your pension before Normal Pension Age (NPA) it will be reduced for early payment. If you carry on working beyond your NPA, your pension will be increased for late payment. These adjustments have not been reflected in your results.",null,null,null,null,null,null,null,null,null,56]
[null,6,"Added pension will be adjusted in line with prices. ",null,null,null,null,null,null,null,null,null,59]
[null,7,"If you have selected monthly contributions, the estimator assumes that these start from the next 1 April and run for a complete number of years.",null,null,null,null,null,null,null,null,null,60]
[null,8,"The figures shown are an illustration of the current cost of buying added pension.",null,null,null,null,null,null,null,null,null,61]
[null,9,"If you have selected monthly contributions, the estimator assumes that these start from the date that your contract starts and run for a complete number of years. You can request to cancel your monthly contributions at any time. Lump sum purchases are assumed to be made at the contract start date. You cannot buy added pension by lump sum in your first 12 months of scheme membership.",null,null,null,null,null,null,null,null,null,62]
[null,10,"If you have selected to pay contributions over a number of years, the estimator has taken account of your age increasing over the period and resulting amount of added pension that the current factors will purchase in each future year. However, you should be aware that the factors underlying these calculations are reviewed regularly and the cost of this level of pension may change in the future.",null,null,null,null,null,null,null,null,null,64]
[null,11,"Your total pension contributions (not just added pension) in any year cannot be more than your salary.",null,null,null,null,null,null,null,null,null,65]
[null,12,"If you increase your pension savings in any year over the Annual Allowance set by HM Revenue & Customs, you may incur a tax charge. For more information, including examples, see the HM Revenue & Customs website: www.hmrc.gov.uk",null,null,null,null,null,null,null,null,null,68]
[null,13,"If you want to purchase added pension, the application form is available on the Civil Service Pension Scheme website.",null,null,null,null,null,null,null,null,null,69]
[null,14,"This is a calculated value at today’s rates."]
[null,null,null,null,null,null,null,null,null,null,null,null,72]
[null,"Disclaimer:","Every effort has been made to make this tool as accurate as possible, but in the event of any differences, the regulations will apply. This tool is based on the classic plus / premium rules current at the time of publication and there is no guarantee that any part of the rules will not change in the future. You should not take anything in this tool as financial advice. You might want to consider contacting an Independent Financial Adviser (IFA) to discuss your retirement planning. You can find tips on finding an IFA by visiting the Financial Conduct Authority website: www.fca.org.uk",null,null,null,null,null,null,null,null,null,73]
[]
[null,{"$f":"\"Version 9 (March 2015).  Printed on \"&TEXT(TODAY(),\"dd mmmm yyyy\")","v":"Version 9 (March 2015).  Printed on 25 November 2025"},null,null,null,null,null,null,null,null,null,null,72]
[null,{"$f":"\"'as at' date \"&TEXT('calcs - premium'!B81,\"dd mmmm yyyy\")","v":"'as at' date 01 April 2026"},null,null,null,null,null,null,null,null,null,null,73]
[null,null,null,null,null,null,null,null,null,null,null,null,74]
[null,null,null,null,null,null,null,null,null,null,null,null,75]

{"sheet":"calcs - premium","index":1,"n_rows":84,"n_cols":10,"rows_kept":84,"cut":false,"hidden":true,"merged":[]}
["Note: Need to update AMC and Quote Date"]
["Chosen contribution type",{"$f":"'inputs and results'!G14","v":0},{"$f":"IF(D2<>\"LS\",'inputs and results'!K14,0)","v":1},{"$f":"IF(B2=\"lump sum\",\"LS\",\"periodicals\")","v":"periodicals"},null,"AMC rate",{"$f":"'Variable information'!B9","v":0}]
["Chosen pension","self + partner",{"$f":"IF(B3=\"pension for self only\",\"self\",\"self+\")","v":"self+"},null,null,"HMT max",{"$f":"IF(D2=\"periodicals\",9200,7300)","v":9200},null,"adjusted","basic"]
["Chosen calculation type",{"$f":"IF('inputs and results'!G20<>\"\",\"savings\",\"target pension\")","v":"target pension"},null,{"$f":"IF(AND('inputs and results'!G10=\"yes\",D2=\"LS\"),\"CSCS\",\" \")","v":" "},null,"age addition",5.5E-2,"early ret",{"$f":"IF(C6<(B6-5),ROUND(1/(J4+1.315),3),J4)","v":1},{"$f":"IF(C6<B6,VLOOKUP(C6,'ARR factors'!A5:M15,2+G10),1)","v":1}]
["Monetary amount input",{"$f":"IF(B4=\"savings\",'inputs and results'!G20,'inputs and results'!G22)","v":0},null,null,null,{"$f":"MAX(G5,H5)","v":"2025-11-25"},"2007-10-01",{"$f":"TODAY()","v":"2025-11-25"}]
["pension age",60,{"$f":"IF(D6=\"enter a date\",MAX(E7,B9),D6)","v":126},{"$f":"'inputs and results'!G16","v":126},{"$f":"'inputs and results'!J16","v":"00:00:00"},{"$f":"DATE(YEAR(F5)-60,MONTH(F5),DAY(F5))","v":"1965-11-25"}]
["DOB",{"$f":"'inputs and results'!G6","v":"00:00:00"},{"$f":"DATE(B6+YEAR(B7),MONTH(B7),DAY(B7))","v":"1959-12-31"},{"$f":"IF(MONTH(B7)<=3,0,1)","v":0},{"$f":"ROUND(YEAR(E6)-YEAR(B7)+(DATE(YEAR(B7),MONTH(E6),DAY(E6))-B7)/365,4)","v":0}]
["Quote date",{"$f":"'Variable information'!D4","v":"2025-11-25"},{"$f":"IF(OR(MONTH(B8)<=3,AND(MONTH(B8)=4,DAY(B8)=1)),1,0)","v":0},{"$f":"DATE(YEAR(B8)+1-C8,4,1)","v":"2026-04-01"},{"$f":"IF(MONTH(D8)<=3,1,0)","v":0},null,"age at retirement"]
["Age at quote date",{"$f":"YEAR(B8)-YEAR($B$7)+(B8-DATE(YEAR(B8),MONTH($B$7),DAY($B$7)))/365","v":125.9013698630137},null,{"$f":"ROUNDDOWN((YEAR(D8)-YEAR($B$7)+(D8-DATE(YEAR(D8),MONTH($B$7),DAY($B$7)))/365),0)","v":126},null,null,{"$f":"INT(C6)","v":126},"years"]
["No of 1 Aprils to PA",{"$f":"MAX(0,YEAR($C$7)-YEAR(B8)+C8+D7-1)","v":0},null,{"$f":"MAX(0,YEAR($C$7)-YEAR(D8)+E8+D7-1)","v":0},null,null,{"$f":"I10+IF(I10<0,12,0)","v":0},"months",{"$f":"IF(D6=\"enter a date\",(MONTH(E6)-MONTH(B7))-IF(DAY(E6)<DAY(B7),1,0),0)","v":0}]
["m/f",{"$f":"'inputs and results'!G8","v":0},{"$f":"LEFT(B11)","v":"0"},{"$f":"IF(C3=\"self+\",8,IF(C11=\"f\",5,4))","v":8},{"$f":"IF(C3=\"self+\",7,IF(C11=\"f\",3,2))","v":7}]
["Lump sum calcs",null,null,null,"AMC calc",null,null,"New Perodical Calc"]
["factor below",{"$f":"VLOOKUP(INT($B$9),'factors - premium'!$A$4:$H$63,$E$11)","v":12.78},null,null,"column 1",{"$f":"INT(G2)","v":0},null,"Exact Factor",{"$f":"VLOOKUP(INT($D$9),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44}]
["factor above",{"$f":"VLOOKUP(INT($B$9)+1,'factors - premium'!$A$4:$H$63,$E$11)","v":12.78},null,null,"age at quote",{"$f":"B9","v":125.9013698630137},null,"Contribution Factor",{"$f":"VLOOKUP($D$10,'factors - premium'!$J$4:$K$54,2)","v":1}]
["exact factor",{"$f":"B13","v":12.78},{"$f":"ROUND(B13+(B14-B13)*(B9-INT(B9)),4)","v":12.78},null,"factor below",{"$f":"VLOOKUP(INT(F14),'factors - premium'!A65:E126,$F$13+2)","v":1},null,"Exact Factor x Contribution Factor",{"$f":"I13*I14","v":13.44}]
["Aprils factor",{"$f":"VLOOKUP($B$10,'factors - premium'!$J$4:$K$54,2)","v":1},null,null,"factor above",{"$f":"VLOOKUP(INT(F14),'factors - premium'!A67:E126,F13+3)","v":1},null,"Monthly Rate",{"$f":"D21/I15*C2","v":0}]
["lump sum rate before AMC",{"$f":"ROUND(B15*B16,4)","v":12.78},null,null,"exact factor",{"$f":"ROUND(F15+(F16-F15)*(G2-INT(G2)),4)","v":1}]
["AMC adjustment",{"$f":"F17","v":1}]
["lump sum rate",{"$f":"ROUND(B17*B18,4)","v":12.78}]
[null,null,null,null,null,null,null,"Max"]
["required level of contribution",{"$f":"IF(D2=\"periodicals\",'inputs and results'!G20,0)","v":0},"per month",{"$f":"B21*12","v":0},{"$f":"I16","v":0},"annual pension",null,{"$f":"G3/(12*D22*IF(E32>1,E32,1))","v":{"$error":"#DIV/0!"}},"per month"]
[null,{"$f":"C2","v":1},"years",{"$f":"VLOOKUP(B22,A35:G79,7)","v":0}]
[null,{"$f":"IF(D2=\"LS\",'inputs and results'!G20,0)","v":0},"lump sum",{"$f":"IF(B22<>0,VLOOKUP(B22,$A$35:$H$79,8),0)","v":127},{"$f":"B23/B19*F32","v":0},"annual pension",null,{"$f":"G3*B19/(IF(F32>1,F32,1))","v":117576},"Lump sum"]
[]
["required amount of pension 1",{"$f":"IF(D2=\"LS\",'inputs and results'!G22,0)","v":0},"pa",null,{"$f":"B25*B19/F32","v":0},"lump sum",null,{"$f":"G3","v":9200},"pension"]
["required pension 2",{"$f":"IF(D2=\"periodicals\",'inputs and results'!G22,0)","v":0},"pa",null,{"$f":"B26/(D22*12*E32)","v":{"$error":"#DIV/0!"}},"per month",null,{"$f":"G3","v":9200}]
[]
["Required answer",{"$f":"IF(AND(D2=\"LS\",B4=\"savings\"),E23,IF(AND(D2=\"periodicals\",B4=\"savings\"),E21,IF(D2=\"LS\",E25,E26)))","v":{"$error":"#DIV/0!"}},null,"Max",{"$f":"INDEX(H21:H26,MATCH(B28,E21:E26,0))","v":{"$error":"#DIV/0!"}},{"$f":"INDEX(B21:B26,MATCH(B28,E21:E26,0))","v":{"$error":"#DIV/0!"}}]
[{"$f":"IF(AND(F28>E28,D4=\" \"),\"The maximum contribution you can pay is \"&TEXT(E28,\"£#,###.00\")&\"\",\"\")","v":{"$error":"#DIV/0!"}},null,null,null,"monthly","lump sum"]
[{"$f":"IF(C2>D10,\"These contributions take you beyond age 65\",\"\")","v":"These contributions take you beyond age 65"},null,"late retirement",null,{"$f":"MAX(0,MIN(C6-D23,C6-B6))","v":0},{"$f":"MAX(0,MIN(C6-D9,C6-B6))","v":0}]
[null,null,"early retirement",null,{"$f":"MAX(0,B6-C6)","v":0},{"$f":"E31","v":0}]
[null,null,"adjustment",null,1,1]
["Periodicals calc"]
["Year","factor below","factor above","rate","Aprils","periodicals","cum purchase","age at end of year",null,"fraction"]
[1,{"$f":"VLOOKUP(INT($D$9),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+1,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"ROUND(B35+(C35-B35)*($D$9-INT($D$9)),4)","v":13.44},{"$f":"VLOOKUP($D$10,'factors - premium'!$J$4:$K$54,2)","v":1},{"$f":"E35*D35","v":13.44},{"$f":"J35/F35","v":0},{"$f":"$D$9+A35","v":127},{"$f":"H35-INT(H35)","v":0},{"$f":"IF(H35<$C$6,1,IF(H35-$C$6<1,1-(H35-$C$6),0))","v":0}]
[2,{"$f":"VLOOKUP(INT($D$9+A36-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A36,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"ROUND(B36+(C36-B36)*($D$9-INT($D$9)),4)","v":13.44},{"$f":"VLOOKUP(MAX(0,$D$10+1-A36),'factors - premium'!$J$4:$K$54,2)","v":1},{"$f":"E36*D36","v":13.44},{"$f":"G35*(1+IF(H36>=61,$G$4,IF(H36>=60,$G$4*$I$35,0)))+J36/F36","v":0},{"$f":"$D$9+A36","v":128},null,{"$f":"IF(H36<$C$6,1,IF(H36-$C$6<1,1-(H36-$C$6),0))","v":0}]
[3,{"$f":"VLOOKUP(INT($D$9+A37-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A37,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A37),'factors - premium'!$J$4:$K$54,2)","v":1},{"$f":"E37*D37","v":13.44},{"$f":"G36*(1+IF(H37>=61,$G$4,IF(H37>=60,$G$4*$I$35,0)))+J37/F37","v":0},129,null,0]
[4,{"$f":"VLOOKUP(INT($D$9+A38-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A38,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A38),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,130,null,0]
[5,{"$f":"VLOOKUP(INT($D$9+A39-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A39,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A39),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,131,null,0]
[6,{"$f":"VLOOKUP(INT($D$9+A40-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A40,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A40),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,132,null,0]
[7,{"$f":"VLOOKUP(INT($D$9+A41-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A41,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A41),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,133,null,0]
[8,{"$f":"VLOOKUP(INT($D$9+A42-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A42,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A42),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,134,null,0]
[9,{"$f":"VLOOKUP(INT($D$9+A43-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A43,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A43),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,135,null,0]
[10,{"$f":"VLOOKUP(INT($D$9+A44-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A44,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A44),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,136,null,0]
[11,{"$f":"VLOOKUP(INT($D$9+A45-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A45,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A45),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,137,null,0]
[12,{"$f":"VLOOKUP(INT($D$9+A46-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A46,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A46),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,138,null,0]
[13,{"$f":"VLOOKUP(INT($D$9+A47-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A47,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A47),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,139,null,0]
[14,{"$f":"VLOOKUP(INT($D$9+A48-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A48,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A48),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,140,null,0]
[15,{"$f":"VLOOKUP(INT($D$9+A49-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A49,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A49),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,141,null,0]
[16,{"$f":"VLOOKUP(INT($D$9+A50-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A50,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A50),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,142,null,0]
[17,{"$f":"VLOOKUP(INT($D$9+A51-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A51,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A51),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,143,null,0]
[18,{"$f":"VLOOKUP(INT($D$9+A52-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A52,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A52),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,144,null,0]
[19,{"$f":"VLOOKUP(INT($D$9+A53-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A53,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A53),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,145,null,0]
[20,{"$f":"VLOOKUP(INT($D$9+A54-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A54,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A54),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,146,null,0]
[21,{"$f":"VLOOKUP(INT($D$9+A55-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A55,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A55),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,147,null,0]
[22,{"$f":"VLOOKUP(INT($D$9+A56-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A56,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A56),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,148,null,0]
[23,{"$f":"VLOOKUP(INT($D$9+A57-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A57,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A57),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,149,null,0]
[24,{"$f":"VLOOKUP(INT($D$9+A58-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A58,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A58),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,150,null,0]
[25,{"$f":"VLOOKUP(INT($D$9+A59-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A59,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A59),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,151,null,0]
[26,{"$f":"VLOOKUP(INT($D$9+A60-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A60,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A60),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,152,null,0]
[27,{"$f":"VLOOKUP(INT($D$9+A61-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A61,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A61),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,153,null,0]
[28,{"$f":"VLOOKUP(INT($D$9+A62-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A62,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A62),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,154,null,0]
[29,{"$f":"VLOOKUP(INT($D$9+A63-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A63,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A63),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,155,null,0]
[30,{"$f":"VLOOKUP(INT($D$9+A64-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A64,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A64),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,156,null,0]
[31,{"$f":"VLOOKUP(INT($D$9+A65-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A65,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A65),'factors - premium'!$J$4:$K$54,2)","v":1},{"$f":"E65*D65","v":13.44},0,157,null,0]
[32,{"$f":"VLOOKUP(INT($D$9+A66-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A66,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A66),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,158,null,0]
[33,{"$f":"VLOOKUP(INT($D$9+A67-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A67,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A67),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,159,null,0]
[34,{"$f":"VLOOKUP(INT($D$9+A68-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A68,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A68),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,160,null,0]
[35,{"$f":"VLOOKUP(INT($D$9+A69-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A69,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A69),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,161,null,0]
[36,{"$f":"VLOOKUP(INT($D$9+A70-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A70,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A70),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,162,null,0]
[37,{"$f":"VLOOKUP(INT($D$9+A71-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A71,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A71),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,163,null,0]
[38,{"$f":"VLOOKUP(INT($D$9+A72-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A72,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A72),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,164,null,0]
[39,{"$f":"VLOOKUP(INT($D$9+A73-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A73,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A73),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,165,null,0]
[40,{"$f":"VLOOKUP(INT($D$9+A74-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A74,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A74),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,166,null,0]
[41,{"$f":"VLOOKUP(INT($D$9+A75-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A75,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A75),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,167,null,0]
[42,{"$f":"VLOOKUP(INT($D$9+A76-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A76,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A76),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,168,null,0]
[43,{"$f":"VLOOKUP(INT($D$9+A77-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A77,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A77),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,169,null,0]
[44,{"$f":"VLOOKUP(INT($D$9+A78-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A78,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A78),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,170,null,0]
[45,{"$f":"VLOOKUP(INT($D$9+A79-1),'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},{"$f":"VLOOKUP(INT($D$9)+A79,'factors - premium'!$A$4:$H$63,$D$11)","v":13.44},13.44,{"$f":"VLOOKUP(MAX(0,$D$10+1-A79),'factors - premium'!$J$4:$K$54,2)","v":1},13.44,0,171,null,0]
[]
["as at date",{"$f":"IF(B2=\"lump sum\",B8,D8)","v":"2026-04-01"}]
[]
[{"$f":"IF(B84=1,\"You are already older than this!\",IF(B84=2,\"The calculator cannot provide a result based upon the information you have entered. Please contact the Civil Service Pension Scheme Administrator for a quotation.\",\" \"))","v":"The calculator cannot provide a result based upon the information you have entered. Please contact the Civil Service Pension Scheme Administrator for a quotation."}]
["Error codes",{"$f":"IF(AND(C6<B9,C6<>0),1,IF(AND(D23-C6>=1,C6<>0),2,0))","v":2},{"$f":"IF(OR(B7=0,B2=0,C6=0),9,0)","v":9}]

{"sheet":"Variable information","index":2,"n_rows":26,"n_cols":12,"rows_kept":26,"cut":false,"hidden":true,"merged":[]}
["APACs - please select the quote date you require"]
[]
[]
["Required quote date","today",null,{"$f":"IF(L5=2,B6,TODAY())","v":"2025-11-25"}]
["(drop-down menu)",null,null,{"$f":"DATE((YEAR(D4)),MONTH(D4)-1,28)","v":"2025-10-28"},"earlier date to use where \"today\" is before AMC updated",null,null,null,null,null,"today",{"$f":"IF(B4=K6,2,1)","v":1}]
[{"$f":"IF(L5=2,\"Enter quote date\",\"\")","v":""},null,null,{"$f":"IF(D4>TODAY()+31,\"Quote date more than one month ahead\",\"\")","v":""},null,null,null,null,null,null,"your choice"]
[]
["AMC yield for quote date",{"$f":"IF(D4<=TODAY(),VLOOKUP(MONTH(D4),B15:I26,YEAR(D4)-2005),VLOOKUP(MONTH(TODAY()),B15:G26,YEAR(TODAY())-2005))","v":{"$error":"#REF!"}},"%"]
["AMC yield to use",0,"%","Note: Use AMC rate of 0.00 from July 2012 onwards"]
[]
[]
[null,"AMC rates - you must keep this table up to date"]
[]
[null,"Month",2007,2008,2009,2010,2011,2012]
[null,1,null,1.1299999999999999,0.84,0.6,0.64,9.9999999999999994E-12]
[null,2,null,1.1200000000000001,0.93,0.71,0.8,9.9999999999999994E-12]
[null,3,1.38,1.03,1.2,0.83,0.69,0.02]
[null,4,1.55,1.02,0.98,0.64,0.69,0.01]
[null,5,1.66,1.05,1.0900000000000001,0.72,0.63,0.05]
[null,6,1.82,1.18,1.03,0.76,0.59,9.9999999999999994E-12]
[null,7,1.8,1.02,0.9,0.7,0.57999999999999996,"See note"]
[null,8,1.64,1.07,0.94,0.86,0.43]
[null,9,1.51,1,0.67,0.64,0.4]
[null,10,1.48,0.83,0.61,0.57999999999999996,0.23]
[null,11,1.42,1.31,0.56999999999999995,0.71,0.22]
[null,12,1.23,1.31,0.5,0.76,9.9999999999999994E-12]

{"sheet":"factors - premium","index":3,"n_rows":126,"n_cols":14,"rows_kept":126,"cut":false,"hidden":true,"merged":[]}
[null,"Pension for self (note: this option is not available)",null,null,null,null,"Pension for self + partner"]
[null,"lump sum",null,"periodicals",null,null,"lump sum","periodicals"]
["Age last birthday","Male","female","Male","female",null,"unisex","unisex",null,"no of 1 Aprils to NPA",null,null,null,"ret ages"]
[16,2.39,2.5099999999999998,2.4500000000000002,2.57,null,null,null,null,0,1,null,null,50]
[17,2.5099999999999998,2.63,2.57,2.7,null,3.61,5.29,null,1,1.02,null,null,51]
[18,2.63,2.76,2.7,2.83,null,3.77,5.49,null,2,1.04,null,null,52]
[19,2.77,2.9,2.83,2.98,null,3.93,5.68,null,3,1.06,null,null,53]
[20,2.9,3.05,2.97,3.12,null,4.09,5.89,null,4,1.08,null,null,54]
[21,3.05,3.2,3.12,3.28,null,4.2699999999999996,6.09,null,5,1.1000000000000001,null,null,55]
[22,3.2,3.35,3.28,3.44,null,4.45,6.3,null,6,1.1299999999999999,null,null,56]
[23,3.36,3.52,3.44,3.61,null,4.63,6.53,null,7,1.1499999999999999,null,null,57]
[24,3.52,3.7,3.61,3.79,null,4.83,6.75,null,8,1.17,null,null,58]
[25,3.7,3.88,3.79,3.98,null,5.03,7,null,9,1.2,null,null,59]
[26,3.88,4.07,3.98,4.17,null,5.25,7.24,null,10,1.22,null,null,60]
[27,4.07,4.2699999999999996,4.17,4.38,null,5.47,7.5,null,11,1.24,null,null,61]
[28,4.2699999999999996,4.4800000000000004,4.38,4.59,null,5.7,7.75,null,12,1.27,null,null,62]
[29,4.4800000000000004,4.7,4.59,4.8099999999999996,null,5.94,8.0299999999999994,null,13,1.29,null,null,63]
[30,4.7,4.93,4.8099999999999996,5.05,null,6.19,8.31,null,14,1.32,null,null,64]
[31,4.93,5.17,5.05,5.3,null,6.45,8.6,null,15,1.35,null,null,65]
[32,5.17,5.42,5.3,5.56,null,6.72,8.9,null,16,1.37,null,null,66]
[33,5.43,5.68,5.56,5.82,null,7,9.2100000000000009,null,17,1.4,null,null,67]
[34,5.69,5.96,5.83,6.1,null,7.29,9.5299999999999994,null,18,1.43,null,null,68]
[35,5.96,6.25,6.11,6.4,null,7.6,9.86,null,19,1.46,null,null,69]
[36,6.25,6.55,6.4,6.71,null,7.92,10.199999999999999,null,20,1.49,null,null,70]
[37,6.55,6.87,6.71,7.04,null,8.25,10.56,null,21,1.52,null,null,71]
[38,6.87,7.2,7.04,7.38,null,8.59,10.92,null,22,1.55,null,null,72]
[39,7.2,7.55,7.38,7.73,null,8.9499999999999993,11.3,null,23,1.58,null,null,73]
[40,7.55,7.91,7.74,8.1,null,9.32,11.7,null,24,1.61,null,null,74]
[41,7.91,8.2899999999999991,8.11,8.5,null,9.7100000000000009,12.1,null,25,1.64,null,null,75]
[42,8.3000000000000007,8.6999999999999993,8.51,8.91,null,10.119999999999999,12.52,null,26,1.67]
[43,8.7100000000000009,9.11,8.92,9.34,null,10.54,12.95,null,27,1.71]
[44,9.1300000000000008,9.56,9.35,9.7899999999999991,null,10.98,13.4,null,28,1.74]
[45,9.57,10.02,9.81,10.27,null,11.44,13.86,null,29,1.78]
[46,10.029999999999999,10.5,10.28,10.76,null,11.92,14.34,null,30,1.81]
[47,10.52,11.02,10.78,11.29,null,12.42,14.84,null,31,1.85]
[48,11.04,11.55,11.31,11.84,null,12.94,15.36,null,32,1.88]
[49,11.57,12.12,11.86,12.42,null,13.48,15.89,null,33,1.92]
[50,12.14,12.71,12.44,13.02,null,14.04,16.440000000000001,null,34,1.96]
[51,12.74,13.33,13.06,13.66,null,14.63,17.010000000000002,null,35,2]
[52,13.37,13.98,13.7,14.33,null,15.25,17.62,null,36,2.04]
[53,14.03,14.67,14.38,15.03,null,15.89,18.23,null,37,2.08]
[54,14.73,15.4,15.1,15.78,null,16.559999999999999,18.87,null,38,2.12]
[55,15.47,16.16,15.85,16.559999999999999,null,17.260000000000002,19.53,null,39,2.16]
[56,16.25,16.96,16.649999999999999,17.38,null,18,20.239999999999998,null,40,2.21]
[57,17.079999999999998,17.809999999999999,17.510000000000002,18.25,null,18.77,20.96,null,41,2.25]
[58,17.96,18.7,18.41,19.170000000000002,null,19.59,21.72,null,42,2.2999999999999998]
[59,18.899999999999999,19.66,19.37,20.14,null,20.440000000000001,22.51,null,43,2.34]
[60,19.899999999999999,20.66,20.39,21.17,null,20.63,22.61,null,44,2.39]
[61,19.510000000000002,20.29,19.989999999999998,20.79,null,20.13,21.99,null,45,2.44]
[62,19.11,19.91,19.579999999999998,20.399999999999999,null,19.62,21.36,null,46,2.4900000000000002]
[63,18.71,19.52,19.170000000000002,20,null,19.11,20.74,null,47,2.54]
[64,18.29,19.12,18.739999999999998,19.59,null,18.579999999999998,20.09,null,48,2.59]
[65,17.87,18.72,18.309999999999999,19.18,null,18.05,19.46,null,49,2.64]
[66,17.45,18.3,17.88,18.75,null,17.510000000000002,18.82,null,50,2.69]
[67,17.03,17.89,17.45,18.329999999999998,null,16.97,18.18]
[68,16.600000000000001,17.47,17.010000000000002,17.899999999999999,null,16.420000000000002,17.53]
[69,16.170000000000002,17.04,16.57,17.46,null,15.87,16.899999999999999]
[70,15.74,16.61,16.13,17.02,null,15.31,16.260000000000002]
[71,15.29,16.170000000000002,15.67,16.57,null,14.75,15.62]
[72,14.84,15.71,15.21,16.100000000000001,null,14.19,14.98]
[73,14.37,15.24,14.72,15.62,null,13.62,14.36]
[74,13.88,14.75,14.22,15.11,null,13.06,13.75]
[75,13.39,14.24,13.72,14.59,null,12.78,13.44]
["AMC"]
[null,"Yield"]
["Age ",0,0.01,0.02,0.03]
[16,1,1,1,1]
[17,1,1,1,1]
[18,1,1,1,1]
[19,1,1,1,1]
[20,1,1,1,1]
[21,1,1,1,1]
[22,1,1,1,1]
[23,1,1,1,1]
[24,1,1,1,1]
[25,1,1,1,1]
[26,1,1,1,1]
[27,1,1,1,1]
[28,1,1,1,1]
[29,1,1,1,1]
[30,1,1,1,1]
[31,1,1,1,1]
[32,1,1,1,1]
[33,1,1,1,1]
[34,1,1,1,1]
[35,1,1,1,1]
[36,1,1,1,1]
[37,1,1,1,1]
[38,1,1,1,1]
[39,1,1,1,1]
[40,1,1,1,1]
[41,1,1,1,1]
[42,1,1,1,1]
[43,1,1,1,1]
[44,1,1,1,1]
[45,1,1,1,1]
[46,1,1,1,1]
[47,1,1,1,1]
[48,1,1,1,1]
[49,1,1,1,1]
[50,1,1,1,1]
[51,1,1,1,1]
[52,1,1,1,1]
[53,1,1,1,1]
[54,1,1,1,1]
[55,1,1,1,1]
[56,1,1,1,1]
[57,1,1,1,1]
[58,1,1,1,1]
[59,1,1,1,1]
[60,1,1,1,1]
[61,1,1,1,1]
[62,1,1,1,1]
[63,1,1,1,1]
[64,1,1,1,1]
[65,1,1,1,1]
[66,1,1,1,1]
[67,1,1,1,1]
[68,1,1,1,1]
[69,1,1,1,1]
[70,1,1,1,1]
[71,1,1,1,1]
[72,1,1,1,1]
[73,1,1,1,1]
[74,1,1,1,1]
[75,1,1,1,1]

{"sheet":"ARR factors","index":4,"n_rows":15,"n_cols":13,"rows_kept":15,"cut":false,"hidden":true,"merged":[[2,18,3,18]]}
["Early pension factors "]
[]
[null,"Months"]
["Age (y)",0,1,2,3,4,5,6,7,8,9,10,11]
[50,0.63700000000000001,0.63900000000000001,0.64100000000000001,0.64300000000000002,0.64600000000000002,0.64800000000000002,0.65,0.65200000000000002,0.65400000000000003,0.65600000000000003,0.65800000000000003,0.66100000000000003]
[51,0.66300000000000003,0.66500000000000004,0.66700000000000004,0.67,0.67200000000000004,0.67400000000000004,0.67700000000000005,0.67900000000000005,0.68100000000000005,0.68300000000000005,0.68600000000000005,0.68799999999999994]
[52,0.69,0.69299999999999995,0.69499999999999995,0.69799999999999995,0.7,0.70299999999999996,0.70499999999999996,0.70799999999999996,0.71,0.71299999999999997,0.71499999999999997,0.71799999999999997]
[53,0.72,0.72299999999999998,0.72599999999999998,0.72799999999999998,0.73099999999999998,0.73399999999999999,0.73599999999999999,0.73899999999999999,0.74199999999999999,0.74399999999999999,0.747,0.75]
[54,0.753,0.75600000000000001,0.75800000000000001,0.76100000000000001,0.76400000000000001,0.76700000000000002,0.77,0.77300000000000002,0.77600000000000002,0.77900000000000003,0.78200000000000003,0.78500000000000003]
[]
[55,0.78800000000000003,0.79100000000000004,0.79400000000000004,0.79700000000000004,0.8,0.80300000000000005,0.80600000000000005,0.80900000000000005,0.81200000000000006,0.81499999999999995,0.81899999999999995,0.82199999999999995]
[56,0.82499999999999996,0.82799999999999996,0.83199999999999996,0.83499999999999996,0.83799999999999997,0.84099999999999997,0.84499999999999997,0.84799999999999998,0.85099999999999998,0.85499999999999998,0.85799999999999998,0.86099999999999999]
[57,0.86499999999999999,0.86799999999999999,0.872,0.875,0.879,0.88200000000000001,0.88600000000000001,0.89,0.89300000000000002,0.89700000000000002,0.9,0.90400000000000003]
[58,0.90700000000000003,0.91100000000000003,0.91500000000000004,0.91900000000000004,0.92300000000000004,0.92600000000000005,0.93,0.93400000000000005,0.93799999999999994,0.94199999999999995,0.94499999999999995,0.94899999999999995]
[59,0.95299999999999996,0.95699999999999996,0.96099999999999997,0.96499999999999997,0.96899999999999997,0.97399999999999998,0.97799999999999998,0.98199999999999998,0.98599999999999999,0.99,0.99399999999999999,0.998]