NHS pension tax, made clear

Understand and manage your NHS pension tax — with the experts who played a key role in fixing the rules.

Goldstone PenFinTech builds modelling tools and provides expert support that help NHS staff make sense of annual allowance, the McCloud remedy and their pension tax — clearly, accurately and in plain English. We also provide specialist NHS pensions expertise to the financial services sector, including our partners at Forvis Mazars.

Register your interest See the modellers

New 26/27 modellers are coming soon. If you were one of the 5,500+ people who registered for the 25/26 modeller, you don't need to register again — we'll be in touch. New here? Register once and you're on the list.

What we do

Pension tax modelling and expert support for NHS staff

We combine purpose-built software with genuine clinical and pensions expertise. Our modellers let you see your annual allowance position and pension tax under the McCloud remedy; our concierge service puts an expert eye over your figures; and our innovative, industry-leading PLUS add-on reads your official documents for you in seconds.

Model your position

Interactive modellers show your annual allowance, growth and tax across the relevant years — including the McCloud remedy — so you can plan with confidence.

Expert concierge

Our team reviews your figures by hand. We pick up errors — most commonly backpay errors — in up to half of concierge clients, often saving them thousands in potentially overpaid annual-allowance tax on pension benefits that would never have materialised.

PLUS document reading

Our innovative, industry-leading PLUS add-on lets you upload your TRS, pension saving statements and payslips and reads them automatically — in about 3.2 seconds — so your modeller is populated for you.

The modellers

Choose the level of detail that suits you

Every tier builds on the last. Pricing for the 26/27 modellers will be announced shortly — register now and we'll let you know first. But we do things differently round here: not everyone needs every feature, so we believe you should pay for what you need and what you use. That means we can be really competitively priced, because we know many people will need our help year in, year out.

Bronze

Bronze Level badge
  • Pension growth for 1995, 2008 & 2015
  • Reckonable pay calculations (2008)
  • GPs, consultants, residents, SAS & other NHS staff
  • 24/25, 25/26 & 26/27
  • Save & retrieve unlimited scenarios in our new Scenarios app

Silver

Silver Level badge
  • All Bronze features
  • Calculate if you have an AA charge
  • Basic tapering calculations
  • Navigating the £100k tax trap
  • Includes 2 personalised video credits — watch a video talking through your Silver numbers
  • Save & retrieve unlimited scenarios in our new Scenarios app

Gold

Gold Level badge
  • All Silver features
  • Advanced tapering analysis & mitigations
  • 'Scheme pays' cost analysis
  • Optional with PLUS — break-even analysis for scheme pays
  • Includes 3 personalised video credits — talking through your Silver & Gold numbers
  • Save & retrieve unlimited scenarios in our new Scenarios app

Platinum

Platinum Level badge
  • All standard Gold features
  • Forward modelling to partial/full retirement
  • Scheme pays loans, past & future
  • Income vs key thresholds incl. state pension
  • Model promotions, salary sacrifice, increments
  • Includes 5 personalised video credits — talking through your Silver, Gold & Platinum numbers
  • Platinum is only available with concierge included
  • Save & retrieve unlimited scenarios in our new Scenarios app

Concierge (add-on)

A hands-on expert check of your figures. Officers and complex cases especially benefit — we routinely catch backpay and data errors before they cost you.

PLUS (add-on)

Automatic document upload and reading — TRS, PSS, payslips and more — populating your modeller in seconds.

Reserve a call with a specialist accountant (add-on)

On top of concierge and PLUS, you'll be able to add a 30-minute Teams call with a senior specialist medical accountant — AISMA accredited — who will have reviewed your modeller (with concierge) in advance. You'll be able to book with one of three senior specialist medical accountants (Associate Director to Partner level; minimum five years as a specialist medical accountant). The service is launching from 1 September 2026, subject to contract, with limited slots initially — so you'll be able to reserve your place with a fully refundable deposit that holds your position in the queue and puts you first in line to book when it opens. This is an educational service, not financial advice.

See it in action

Fast, accurate, and built for real NHS documents

PLUS importing payslips and TRS in about 3.2 seconds

PLUS — reads your documents automatically. Our innovative, industry-leading PLUS add-on reads your official NHS pension documents and extracts the figures for you in about 3.2 seconds — the same 0–60 mph time as the legendary McLaren F1 supercar. Supported documents include payslips, O5 extracts, RPSS, pension saving statements (PSS), HMRC letters and TRS / ABS documents — upload them and PLUS populates your modeller.

Scheme pays break-even analysis. Our new scheme-pays page shows where electing scheme pays breaks even for you — weighing paying an annual allowance charge now against carrying it in your pension over time, so you can see the point at which one choice overtakes the other. It's an educational tool to help you make the decision that's right for you — not financial advice.

About us

A new company, built on a decade of pensions expertise

Goldstone PenFinTech was set up in 2024 to bring clarity to one of the most complex areas facing NHS staff. In a short time we've helped thousands of members — and we're only getting started.

2,000+
people helped with McCloud claims
£14k+
average tax refunded per McCloud member via the RPSS process
5,300+
registered for our pension tax modeller since Oct 2025
½
of concierge clients had errors we caught — for example backpay errors that could cost clients thousands in extra AA tax

Trusted by the financial services sector

As well as supporting NHS staff directly, we provide specialist NHS pensions expertise to professional and financial services firms — including our partners at Forvis Mazars, with whom we work on McCloud pension support. Through the RPSS process we've helped McCloud members recover an average of over £14,000 in refunds for overpaid tax.

We also build tools for the accountancy sector to process McCloud clients at scale, and are developing automation that integrates directly with HMRC's tools — preserving accuracy and removing the transcription errors that come from re-keying figures by hand. Read more →

Our founder

Dr Tony Goldstone

Dr Tony Goldstone

Consultant radiologist and, for almost a decade, one of the most respected UK experts on pension taxation and its interaction with the NHS pension schemes.

  • BMA National Clinical Advisor on Pay & Pensions (2019–2024), and continuing Deputy Chair of the BMA national Pensions Committee.
  • Played a pivotal role in lobbying for and liaising with government on major pension-tax changes: the 2019/20 annual-allowance compensation scheme (Oct 2019), the relaxation of tapering rules (March 2020 Budget), and the scrapping of the Lifetime Allowance and raising of annual-allowance limits (March 2023 Budget).
  • Key in highlighting perverse rules that pushed staff to retire early or drop sessions (the #DoesntPayToStay campaign) — leading to changes including partial retirement / pensionable re-employment, fixing a critical CPI-disconnect inflation issue, and reversing unfair rules where negative growth was discounted (so members were taxed only on positive growth even if their pension fell overall).
  • Member of the Technical Advisory Group advising the Scheme Advisory Board on technical issues and scheme valuations — including a pivotal role in flattening contribution rates for higher earners.

Follow Dr Goldstone on X →

Ready to get clarity on your pension tax?

Register once to hear when the 26/27 modellers launch, get webinar reminders, and access our tools.

Register now