These are the percentages from the STRS Ohio benefit calculation table that applies to retirements from June 2025 to May 2035. Each cell is the share of your five-year final average salary paid at that age and service. With 32 or more years you are unreduced at any age at 2.2% a year. Below the earliest age listed for your service, retirement is not yet available.
Defined Benefit Plan, retiring June 2025 – May 2035
| Age | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs | 35 yrs |
|---|---|---|---|---|---|---|
| 55 | — | — | — | — | 54.8% | 77.0% |
| 56 | — | — | — | — | 54.8% | 77.0% |
| 57 | — | — | — | — | 54.8% | 77.0% |
| 58 | — | — | — | — | 54.8% | 77.0% |
| 59 | — | — | — | — | 54.8% | 77.0% |
| 60 | 14.1% | 21.1% | 28.2% | 35.2% | 54.8% | 77.0% |
| 61 | 15.4% | 23.1% | 30.8% | 38.5% | 54.8% | 77.0% |
| 62 | 16.7% | 25.1% | 33.4% | 41.8% | 54.8% | 77.0% |
| 63 | 18.3% | 27.4% | 36.5% | 45.7% | 54.8% | 77.0% |
| 64 | 20.0% | 30.0% | 40.0% | 50.1% | 60.1% | 77.0% |
| 65 | 22.0% | 33.0% | 44.0% | 55.0% | 66.0% | 77.0% |
| 66 | 22.0% | 33.0% | 44.0% | 55.0% | 66.0% | 77.0% |
| 67 | 22.0% | 33.0% | 44.0% | 55.0% | 66.0% | 77.0% |
Percent of final average salary, before tax and before any survivor-option reduction. Green cells are unreduced. A dash means you cannot retire yet at that age and service.
Turning a percentage into dollars
Multiply the percentage by your final average salary and divide by twelve. At 60% of an $80,000 average, the pension is $48,000 a year, or $4,000 a month. Average of your five highest years of Ohio public earnings. The STRS Ohio calculator does the arithmetic for any age, service and salary, and the pension by years table shows monthly amounts at common salaries.
How to use the chart
Find your expected service in the columns and read down to see how the benefit changes as you wait. The jump from one row to the next shows what an extra year at work is worth. When a whole row turns green, that age is unreduced for that service. To find the exact day you reach it, use the retirement date finder.