Teacher Retirement Calculator

INSTANT PENSION ESTIMATE Enter your years of service, retirement age, and salary. See your estimated monthly benefit calculated with the same formula your state uses — CalSTRS, TRS Texas, NYSTRS, FRS Florida, TRS Illinois, PSERS Pennsylvania, or STRS Ohio.

7 STATE SYSTEMS COVERED California (CalSTRS 2% at 60 and 2% at 62), Texas TRS (all tiers, Rule of 80), New York NYSTRS (Tier 4 and Tier 6), Florida FRS (pre and post 2011), Illinois TRS (Tier 1 and Tier 2), Pennsylvania PSERS (Classes T-C through T-G), and Ohio STRS. Data verified May 2026.

AUTOMATIC TIER DETECTION Enter your hire date and the app automatically identifies your benefit tier. No need to look it up — Classic, PEPRA, Tier 6, or Rule of 80 are detected instantly.

RETIREMENT PROJECTION See how your benefit grows over 25 years with COLA applied. Compare two retirement ages side by side to find your optimal exit date.

FINAL AVERAGE SALARY Add up to 8 years of salary history for a precise FAS calculation. The app tells you exactly how many years your system uses.

EARLY RETIREMENT ANALYSIS See the exact reduction applied if you retire before your full eligibility date — whether it's Rule of 80, age factor, or actuarial reduction.

COMPARE TWO PROFILES Set up two independent retirement profiles — different states, tiers, salaries, and retirement ages — and compare them side by side. See monthly benefit, annual income, replacement ratio, FAS, and 10 and 20-year projections for each. Export a PDF summary with one tap.

RETIREMENT INSIGHTS Know exactly where you stand at a glance. Track your vesting progress toward the minimum service requirement, see a live countdown to your planned retirement date, and understand how much of your current salary your pension will replace. The income gap indicator shows the exact monthly shortfall so you can plan ahead.

BREAK-EVEN CALCULATOR Deciding between retiring early or waiting? The break-even calculator shows you exactly at what age the cumulative benefit of retiring later overtakes the early retirement option — so you can make the decision with real numbers, not guesswork.

ZERO DATA COLLECTION All calculations run on your device. No internet required. No account. No ads. No tracking. Your salary and retirement data never leave your phone.

Designed for public school teachers, administrators, and educators planning retirement in California, Texas, New York, Florida, Illinois, Pennsylvania, and Ohio.

For informational purposes only. Not financial advice. Always verify your benefit with your official state retirement system.