Your Pension Plan Parameters
All inputs come from your state/district plan documents. No defaults are pre-filled — district pension plans vary significantly.
Your state plan's per-year credit. Common range: 1.5%–3.0%. Check your plan document.
Minimum years of service to retain any pension benefit.
Step + COLA estimate. Affects FAS projection.
Post-retirement annual adjustment. Often 0–3%. Check your plan.
Early-Exit Comparison (Optional)
Compare your planned retirement pension against leaving at an earlier milestone — e.g., exactly at vesting threshold or a partial-career exit.
Leave blank to skip early-exit comparison.
Pension Projection
Projected Annual Pension
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Replacement Rate
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of final salary
Lifetime Pension PV
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Final Average Salary (FAS)
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Service years at retirement
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Total benefit factor
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Lifetime pension (nominal)
Milestone Comparison
| Scenario | Years of Service | Annual Pension | Lifetime PV | vs. Planned |
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Leave-Now vs. Stay-to-Planned Delta
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⚠ District-specific inputs required. This tool uses your plan's multiplier and FAS. Final pension amounts, COLA guarantees, and vesting rules vary by state and district. Verify all inputs against your official plan document or HR team before making career decisions.
Continue Your Analysis
Export Results
Inbound: Salary Schedule Projector (AL-125) · Lane-Change ROI (AL-126) · Pairs with PSLF Counter (AL-110)