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Family Pension Calculator

Work out family pension instantly with clear inputs, formula shown and shareable results.

About Family Pension Calculator

Family pension is normally paid at an enhanced rate — half of last pay — for a defined period after death, then steps down to the normal rate of around 30%. Knowing the step-down amount and date matters because household budgets are frequently set against the enhanced figure.

Formulas

Enhanced pension

Enhanced = Last drawn pay x Enhanced rate %

Normal pension

Normal = Last drawn pay x Normal rate %

Worked example

With the default values below, Family Pension Calculator returns Enhanced monthly family pension of $36,000.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Last drawn pay of the deceased
72,000
Enhanced family pension rate
50
Normal family pension rate
30
Enhanced rate period
10 years

Results

Enhanced monthly family pension
$36,000.00
Normal monthly family pension
$21,600.00
Total during the enhanced period
$4,320,000.00
Monthly reduction after the enhanced period
$14,400.00

Step by step

  1. 1Values used
  2. 2Enhanced pension
  3. 3Normal pension
  4. 4Enhanced monthly family pension= 36,000.00
  5. 5Normal monthly family pension= 21,600.00
  6. 6Total during the enhanced period= 4,320,000.00
  7. 7Monthly reduction after the enhanced period= 14,400.00

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or fees or charges into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.

Frequently Asked Questions

Who is eligible for family pension?

Usually the spouse for life, then dependent children up to an age limit, then dependent parents or disabled children without age limit, in a prescribed order.

Does remarriage end the entitlement?

Rules vary. Many schemes now continue the spouse's pension on remarriage, particularly where there are dependent children.

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