When the calculator had first come out, I did a number of calculations using it for differing times/ranks etc. I didn't read them i detail at the time just printed them off. A few days later I checked through them and I had enterred the same data twice on two examples. I cecked and rechecked the data enterred on the printout and they were identical, yet the pensions differed considerably. (I got other people to ceck to make sure I was not being dull and missing something.)
I wouldn't trust the calculator as it seems to give inconsistant readings, but it really is no contest anyway as AFPS 05 will probably disadvantage you in most cases if you leave before 55. It will in mine.
GB2