What will your retirement pay?

Plain answers on Social Security, pensions, savings and Medicare. Teachers, state workers, police and firefighters can pick their plan and see a monthly number worked out with that plan's own rules.

Checked against official plan rulesSources on every pageFree, no sign-up
$–Press Calculate to see your monthly pension
Change age and tier on the plan page

Find your section

Social SecurityClaiming, spouses, taxesPublic pensionsTeachers, police, state workersCompany pensionsLump sums, PBGC, union plansSavings401(k), IRA, 403(b), RMDsMedicareSigning up at 65, costs

Popular plans

All plans
TXTexas TRS TexasTexas public school teachers and staff, and many college employees2.3% × years of service × average of your highest 5 salariesCalSTRS CaliforniaCalifornia public school teachers, community college faculty and administratorsAge factor × years of service × final compensationCalPERS CaliforniaCalifornia state workers, school staff who are not teachers, and many city and county employeesBenefit factor × years of service × final compensationNYSTRS New YorkNew York public school teachers and administrators outside New York CityPension factor × age factor × final average salaryNYSLRS New YorkNew York State and local government workers, including school staff who are not teachers1.66% to 2% × years of service × final average earningsPSERS PennsylvaniaPennsylvania public school teachers, support staff and many college employeesClass multiplier (1% to 2.5%) × years of service × final average salarySTRS Ohio OhioOhio public school teachers and university faculty in the Defined Benefit Plan2.2% × years of service × five-year final average salaryFLFlorida FRS FloridaFlorida teachers, state and county workers, police and firefighters in the Pension PlanPercentage value × years of service × average final compensationIllinois TRS IllinoisIllinois public school teachers outside Chicago2.2% × years of service × final average salary, up to 75%Georgia TRS GeorgiaGeorgia public school teachers and many University System of Georgia employees2% × years of service × average of your 2 highest consecutive yearsNC TSERS North CarolinaNorth Carolina public school teachers and staff, state employees and many university employees1.82% × years of service × average of your 4 highest consecutive years

Latest updates

All news
Social SecuritySocial Security raise for 2027 is 3.6%Pension raisesTeacher pension raises for 2026–27: plan by planPayment datesSocial Security payment dates for December 2026Social SecurityAre WEP and GPO really gone? Yes. Here is what it means now

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 yearsMy retirement planAll income, year by yearWhen can I retire?Your full-pension dateSpousal & survivorNow with no GPO cut40-credit checkerDo you qualify?Social Security estimateFrom your earnings recordWhen to claim Social Security62, 67 or 70?Lump sum or monthly?Pension buyout offersRetirement tax by stateCompare any 2 statesAm I on track?Savings goal for your age401(k) and 403(b) growthWith match and 2026 limitsRMD calculatorRequired withdrawalsMedicare costPremiums, IRMAA, penalties

By job

TeachersState teacher systemsState and city workersPERS plansPolice and firePensions and Social SecurityNo Social Security?15 states, listed

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.