Free Retirement Calculator
Pension estimates for teachers, state employees and federal workers across eight US retirement systems — plus Social Security, 403(b), 401(k) and Roth IRA. No sign-up, no account, and nothing you type ever leaves your browser.
- Updated for 2026
- Every figure sourced
- Nothing stored
Pension systems
Each page carries the current formula, eligibility rules, COLA treatment and contribution rates, with a source list and the date the data was last checked.
Other calculators
Guides
The rules that decide what your pension is worth, explained without the handbook language.
What changed recently
Public pension rules move more than people expect, and third-party summaries go stale quietly. Several of these changes are recent enough that the plans’ own published documents have not caught up with them.
| System | What changed | When |
|---|---|---|
| NYSTRS | Unreduced retirement added at age 58 with 30 years of service | April 2026 |
| STRS Ohio | 32-year unreduced window extended through May 2035; FY2027 COLA set at 1.6% | March 2026 |
| PSERS Pennsylvania | First COLA in over two decades — but only for members who retired on or before July 1, 2001 | July 2026 |
| MSERS Massachusetts | COLA Reserve Fund and an Enhanced COLA of $100 to $300 by years retired | July 2026 |
| Florida FRS | Minimum 1.5% COLA for Special Risk retirees, the first for post-2011 members | July 2026 |
| Social Security | WEP and GPO repealed, retroactive to January 2024 | January 2025 |
| IRS and SSA | 2026 limits and bend points: $24,500 deferral, $7,500 IRA, bend points $1,286 and $7,749 | November 2025 |
These are estimates, and your system's number wins
Every figure here comes from a simplified model. Real benefit calculations involve purchased service credit, unused sick leave, survivor elections, disability provisions and tax withholding that no free tool handles correctly. Several systems also decline to publish the reduction factors we would need to be exact, and those cases are flagged wherever they appear.
Use this to understand how your plan works and to compare scenarios. Before you act on a number, get an official estimate. Our methodology page lists every source and every known gap.
Common questions
Are these calculators free?+
Yes, entirely. There is no account, no sign-up and no paid tier. The site is supported by advertising.
Do you store the numbers I enter?+
No. Every calculation runs in your browser using JavaScript. Your salary, age and years of service are never transmitted to a server, because the site has no application server behind it. Close the tab and they are gone.
How current is the plan data?+
It was last checked against official sources on September 19, 2026. Each page carries its own review date and a list of the documents used. Where a plan's own published material is out of date — and several are right now — the page says so.
Why do some systems have much higher multipliers than others?+
Mostly because of Social Security. Teachers in Texas, California, Ohio and Massachusetts generally earn no Social Security for that work, so the pension has to replace everything and the multiplier is higher. Systems that include Social Security, such as Florida FRS, PSERS Pennsylvania and FERS, have lower multipliers because the pension is only one part of the total.
Does my public pension still reduce my Social Security?+
No. The Windfall Elimination Provision and the Government Pension Offset were repealed by the Social Security Fairness Act and have not applied to any month since January 2024. If you never applied for Social Security because an offset would have eliminated your benefit, apply now — back pay on a new claim is generally capped at six months.
Are you affiliated with any retirement system?+
No. This site is independent and has not been reviewed or endorsed by any government agency or retirement system. All system names belong to their respective owners.