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PSERS pension calculator

Model the defined-benefit portion as final average salary × class accrual rate × years of service, with the class rule and reductions visible.

Illustrative formula

PSERS DB Plan benefit estimate

Transparent math

Estimated gross benefit

$2,750/month
Annual benefit$33,000
Applied formula percentage50.0%
$66,000×2%×25 yrs

The accrual rate depends on your membership class: 2.5% for T-D and T-F, 2.0% for T-C and T-E, 1.25% for T-G, and 1.0% for T-H. Classes T-G and T-H also have a separate defined-contribution account not shown here, and Class T-D applies 2.0% to certain non-school service. Newer members default to Class T-G. Use the class shown in your PSERS Statement of Account.

This does not replace the official estimate. Verify your service credit, salary average, membership tier or class, age and option reductions, and every plan-specific limit with the retirement system before making a decision.

Formula and class assumptions

The PSERS defined-benefit pension is final average salary × the accrual rate for your membership class × years of credited service. Class T-D and T-F accrue 2.5% per year; Class T-C and T-E accrue 2.0% per year; the defined-benefit portion of Class T-G accrues 1.25% and Class T-H accrues 1.0%. Class T-D applies the lower 2.0% rate to certain purchased non-school service.

Final average salary is the average of your three highest school-year salaries for Classes T-C, T-D, T-E and T-F, and your five highest school-year salaries for Classes T-G and T-H. Class T-G and Class T-H members also contribute to a defined-contribution account that pays out separately from this formula, and members in the standalone DC class have no defined-benefit formula at all.

Retiring before normal retirement reduces the benefit. For Classes T-E, T-F, T-G and T-H, normal retirement is generally age 65 with three years of service, or the Rule of 92 (age plus service of at least 92) with 35 years. Classes T-C and T-D use age 62, or age 60 with 30 years, or 35 years at any age. Enter the official reduction percentage to model an early retirement.

Final average salary basis: Highest 3 school-year salaries for Classes T-C, T-D, T-E and T-F; highest 5 school-year salaries for Classes T-G and T-H.

Worked example

$66,000 FAS × 2.0% × 25 years = $33,000 / yearAbout $2,750 per month before any early-retirement reduction, withdrawal-option adjustment, taxes and deductions. A Class T-D member at 2.5% would see $41,250 per year.

What this calculator does not decide

  • The defined-contribution account held by Class T-G and T-H members.
  • The exact class accrual rate and the shared-risk contribution adjustments.
  • The early-retirement reduction and the Option 4 lump-sum withdrawal adjustment.
  • Premium Assistance, taxes and other deductions.
PSERS — New to PSERS (membership classes) ↗PSERS — Retirement estimate calculator help ↗
Read the full PSERS formula guide →Open the PSERS hub →