Check with Hawaii ERSEstimate only, not an official benefit amount. Confirm with Hawaii ERS (808-586-1735) before you decide.
Your estimated monthly check
Fill in the form and we'll show your monthly Maximum Allowance, your plan, the date it's unreduced, what retiring early costs, and what one more year adds. The formula is years of service × your AFC × your plan's percentage.
Your road to a full benefit
Retire as planned, or work longer?
Your check at every age
After you retire
Try ERS's examples
ERS's handouts work through a few members. Tap a link to load one.
- Hybrid, joined after June 30, 2012: age 65 with 20 years and an AFC of $2,500 a month: $875.00 a month. Hybrid handout (Oct. 2026) p. 3
- Hybrid, joined before July 1, 2012: age 60 with 28 Hybrid and 2 Noncontributory years, $4,000 AFC: $2,340.00 a month. Hybrid handout (Oct. 2026) p. 7, Example of a Pension Calculation
- Noncontributory: age 65 with 25 years, $4,500 AFC: $1,406.25 a month. Noncontributory handout (Oct. 2026) p. 3
- Our example: Hybrid, age 58 with 25 years, early: 20% less, $2,400.00 a month.
Partial years of the early cut Check with ERS
Sources state the early reduction per year (5% Hybrid, 6% Noncontributory). HAR §6-26-15 says age to the nearest year and full month is used for the reduction, so our calculator prorates by month (5%/12 per month). No source shows a worked early-retirement example with a partial year.
What would settle it: HRS §88-332 (Hybrid) / §88-282 (Noncontributory) text, or an ERS estimate for an early retirement at a non-birthday dateCommon questions
What is ERS?
The Employees' Retirement System of the State of Hawaii (ERS). Hawaii public school teachers and most State and County workers are members. It has three plans: Hybrid, Noncontributory and Contributory. Which one you're in depends mostly on when you were hired.
How is my pension figured?
Years of credited service × your average final compensation (AFC) × your plan's percentage. Hybrid is 2% a year if you joined before July 1, 2012, or 1.75% if you joined after June 30, 2012. Noncontributory is 1.25%.
When can I retire with a full benefit?
Hybrid, joined before July 1, 2012: age 62 with 5 years or age 55 with 30 years. Joined after June 30, 2012: age 65 with 10 years or age 60 with 30 years. Noncontributory: age 62 with 10 years or age 55 with 30 years.
Can I retire early?
Yes, from age 55 with 20 years. Hybrid cuts 5% for each year under 62 (or 65 if you joined after June 30, 2012). Noncontributory cuts 6% a year under 62. The cut is for life.
Does my pension go up after I retire?
Yes. Each July 1, starting the calendar year after you retire, ERS adds 2.5% of your original pension (1.5% if you joined after June 30, 2012). It isn't compounded.
Is this the official ERS calculator?
No. It's an unofficial estimate built from ERS's handouts and annual report. It isn't connected with ERS, and ERS decides your benefit. ERS's number is 808-586-1735.
Compare Hawaii with other states
- States where teachers don't get Social Security: Hybrid and Noncontributory members are covered by Social Security. Contributory members may also be covered.
- Teacher DROP plans by state: No. Hawaii ERS has no DROP.
- Teacher pension COLAs by state: Each July 1: 1.5% of your original pension if you joined after June 30, 2012 (2.5% if before). Not compounded.
- State taxes on teacher pensions, by state: Hawaii ERS says its pensions are not subject to Hawaii state income tax.
- Teacher pension multipliers by state: Hybrid plan: 2% if you joined before July 2012, 1.75% after. Average of your best three years (before July 2012) or best five (after).
- Teacher retirement age by state: Hybrid plan, joined after June 2012: 65 with 10 years, or 60 with 30. Joined before: 62 with 5, or 55 with 30.
Plain-English guides
How your pension works
Which plan am I in?Hybrid, Noncontributory or Contributory by hire date, and the July 1, 2012 split by membership date.→The formula and anti-spikingYears × AFC × your percentage, the High-Three and High-Five, split service at 1.25%, and ERS's anti-spiking example.→Early retirement: the 5% and 6% cutAge 55 with 20 years, the cut counted by month, and the questions the sources leave open.→Sick leave and service creditUnused sick leave (1,480 hours = 9 months), up to 4 years of military service, and years you can get back free.→Hawaii ERS glossaryPlain-English definitions of the ERS terms you'll run into.→
Planning your exit
Leaving: refund or wait?Hybrid refunds with the extra 50% or 20%, interest at 4.5% or 2%, vesting, and coming back.→Taxes on your pensionERS says Hawaii doesn't tax it; the Schedule J question; federal tax and withholding.→ERS and Social SecurityWhat ERS's sources say about Social Security coverage, by plan, and what they don't.→
After you retire
Working after retirementThe 6-month and 12-month breaks, jobs that stop your pension, and the 2026 bill (SB 99). There's no DROP.→The yearly increase2.5% or 1.5% of your original pension every July 1, not compounded, from the year after you retire.→Retiree health insuranceCoverage comes from the EUTF, not ERS: the 10-year rule and the 1996 and 2001 hire-date splits.→Death and survivor benefitsThe Hybrid 150% or 120% lump sum, Noncontributory spouse and child benefits, and survivor options.→
More calculators
These pages cover ERS's general-employee rules, which apply to teachers and most State and County workers. Police, firefighters, judges and elected officials have other rules that aren't covered here. ERS annual report 2024 p. 11, Plan Summary; ERS 212 Retirant Returning to Work (2018)
Source: Hawaii ERS Hybrid Retirement Information, October 2026, pp. 2, 3, 7, 8, 10. Also: Noncontributory handout (Oct. 2026) p. 3; ERS annual report 2024 pp. 11, 12, 16, 17, 48; ERS actuarial valuation 2025 PDF pp. 47, 53; ERS Members FAQ page; ERS 212 Retirant Returning to Work (2018); Leaving Employment, Hybrid (2012) Q1; Hybrid Q&A brochure (2012) Q2, Q11; Contributory handout (Oct. 2026) p. 3; HAR §§ 6-21-4, 6-21-6, 6-21-14, 6-26-2, 6-26-16. Last reviewed .