What will your pension pay?

Plain answers for teachers, state workers, police and firefighters. Pick your plan and see your monthly number, worked out with that plan's own rules.

$0a month, before tax
Change age and tier on the plan page

Popular plans

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TXTexas TRSTexas public school teachers and staff, and many college employees2.3% × years of service × average of your highest 5 salariesCACalSTRSCalifornia public school teachers, community college faculty and administratorsAge factor × years of service × final compensationCACalPERSCalifornia state workers, school staff who are not teachers, and many city and county employeesBenefit factor × years of service × final compensationNYNYSTRSNew York public school teachers and administrators outside New York CityPension factor × age factor × final average salaryOHSTRS OhioOhio public school teachers and university faculty in the Defined Benefit Plan2.2% × years of service × five-year final average salaryFLFlorida FRSFlorida teachers, state and county workers, police and firefighters in the Pension PlanPercentage value × years of service × average final compensationILIllinois TRSIllinois public school teachers outside Chicago2.2% × years of service × final average salary, up to 75%

Calculators

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Pension estimateAny plan, any agePension + Social SecurityAfter the Fairness ActDROP or keep workingLump sum vs bigger checkBuy service creditPayback in years

By job

TeachersState teacher systemsState and city workersPERS plansPolice and fireSafety plans and DROPNo Social Security?Who is affected

Guides

All guides
How a public pension is calculatedHow pensions work · 7 minFinal average salary explained: high-3, high-5 and spiking rulesHow pensions work · 6 minRule of 80, 85 and 90: when you can retire with a full pensionHow pensions work · 6 minSocial Security Fairness Act: what changed for teachers and public workersSocial Security · 7 minStates where teachers don't get Social SecuritySocial Security · 6 minDROP explained: how a Deferred Retirement Option Plan worksRetirement choices · 7 minPension payout options: single life, 50% and 100% joint survivorRetirement choices · 7 minPension COLAs: how cost-of-living raises work in public plansLife after work · 6 min

Find your state

Plan list
TexasTexas TRS
A teacher reads a letter at a student desk in an empty classroom after school

Why a plan-by-plan site

Most retirement sites are built for people with a 401(k). Public workers have something different: a defined benefit pension with its own formula, its own retirement ages and its own rules for early retirement, survivor options and cost-of-living raises. A Texas teacher, a CalPERS clerk and a Florida firefighter can work the same number of years and retire on very different checks.

Each plan page here spells out the formula in plain words, shows the tables the plan publishes, and runs a calculator that follows that plan's tiers. The calculators then cover the choices that come with a pension: when to retire, whether to join a DROP, whether to buy service credit, and how Social Security adds on top now that the Fairness Act has ended WEP and GPO.