Check with Nevada PERSEstimate only, not an official benefit amount. Confirm with Nevada PERS (866-473-7768) before you decide.
Your estimated monthly check
Fill in the form and we'll show your group, your percentage of average compensation (up to 75%, or 90% if you enrolled before July 1, 1985), any early retirement cut, your full-benefit date, what working longer adds, and when your first post-retirement increase comes.
Your percentage
Retire as planned, or work longer?
Your check at every age
Your post-retirement increases
The rules in brief. Enrolled before January 1, 2010: unreduced with 5 years at 65, 10 years at 60, 30 years at any age; 2.5% a year before July 1, 2001, 2.67% after; early cut 4% a year. Enrolled January 1, 2010 to June 30, 2015: unreduced with 5 years at 65, 10 years at 62, 30 years at any age; 2.5% a year; early cut 6% a year. Enrolled on or after July 1, 2015: unreduced with 5 years at 65, 10 years at 62, 30 years at 55, 33 1/3 years at any age; 2.25% a year; early cut 6% a year.
Nevada PERS's own examples
Nevada PERS works these examples in its Summary Plan Description and Pre-Retirement Guide. Our calculator gets the same answers. Tap one to load it.
- Enrolled before January 1, 2010, 10 years at 60: 10 × 2.67% = 26.7% × $3,000 = $801 a month in Nevada PERS's example; ours: $801.00. Summary Plan Description (REV 8/25), p. 5, Example
- Enrolled January 1, 2010 to June 30, 2015, 10 years at 62: 10 × 2.5% = 25% × $3,000 = $750 a month in Nevada PERS's example; ours: $750.00. Summary Plan Description (REV 8/25), p. 5, Example
- Enrolled on or after July 1, 2015, 10 years at 62: 10 × 2.25% = 22.5% × $3,000 = $675 a month in Nevada PERS's example; ours: $675.00. Summary Plan Description (REV 8/25), p. 5, Example
- Pre-Retirement Guide: 25 years (23 before July 2001) at 60: 62.84% × $2,800 = $1,760 a month in Nevada PERS's example; ours: $1,759.52. Pre-Retirement Guide (REV 1/25), p. 6, Benefit Calculation and Optional Plans Example
The same $801 member at 60, with a beneficiary of 52, would get $664 a month under Option 2, and the beneficiary the same for life. See all 8 payment options.
If you enrolled on or after January 1, 2010, no 12-month block of the pay used for your average may rise more than 10% over the block before it. NRS 286.551(4)-(5); Summary Plan Description (REV 8/25), p. 4; Official Policies (2024), p. 54, Policy 10.7(b)
Part of a month early Check with Nevada PERS
The law cuts your benefit for each full year plus each extra month you are under the unreduced age. It doesn't say how part of a month counts. We count part of a month as a whole month, which gives the slightly bigger cut.
What would settle it: A Nevada PERS early-retirement estimate whose retirement date is not on the birthday day of the month, or written confirmation from Nevada PERS.
Years before July 2001 Check with Nevada PERS
If you enrolled before 2010, years worked before July 1, 2001 earn 2.5% and later years 2.67%. If you don't enter your years before July 2001, we assume you worked without a break from your membership date.
What would settle it: The member's Nevada PERS statement (service by period).
Common questions
How is a Nevada PERS pension calculated?
Service credit × benefit multiplier × average monthly compensation. The multiplier depends on when you enrolled. Before 2010: 2.5% a year before July 1, 2001, 2.67% after. From 2010 to June 2015: 2.5% a year. On or after July 1, 2015: 2.25% a year. Average compensation is your 36 highest consecutive months. The result can't be more than 75% of average compensation (90% if you enrolled before July 1, 1985).
When can I retire with a full benefit?
Enrolled before January 1, 2010: 5 years at 65, 10 years at 60, 30 years at any age. Enrolled January 1, 2010 to June 30, 2015: 5 years at 65, 10 years at 62, 30 years at any age. Enrolled on or after July 1, 2015: 5 years at 65, 10 years at 62, 30 years at 55, 33 1/3 years at any age.
Can I retire early?
Yes, with at least 5 years of service, at any age. Your benefit is cut for life by 4% for each year you are under the unreduced age (plus 0.33% a month) if you enrolled before 2010, or 6% a year (plus 0.5% a month) if you enrolled from 2010.
Does Nevada PERS have a COLA?
Yes, called post-retirement increases. They start in the fourth year of retirement and grow with time, but each one is limited by a 3-year average of inflation. See the post-retirement increases guide for your group's schedule.
Do Nevada teachers pay state income tax on their pension?
No. Nevada has no personal income tax, and state law exempts Nevada PERS benefits from state and local taxes. Federal income tax still applies.
Is this the official Nevada PERS calculator?
No. This is an unofficial estimate built from the Public Employees' Retirement System of Nevada's Summary Plan Description, Pre-Retirement Guide, Official Policies and NRS chapter 286. It isn't affiliated with Nevada PERS, which decides your benefit. Nevada PERS's toll-free number is 866-473-7768.
Compare Nevada with other states
- States where teachers don't get Social Security: An employer must leave Social Security before joining Nevada PERS. The sources don't say outright that school staff are excluded.
- Teacher DROP plans by state: Nevada PERS shows no DROP for Regular members.
- Teacher pension COLAs by state: Enrolled July 2015 or later: from year 4, 2%, then 2.5%, then 3% a year. Capped by average inflation (CPI).
- State taxes on teacher pensions, by state: Nevada has no personal income tax. State law also exempts PERS benefits from state and local taxes.
- Teacher pension multipliers by state: 2.25% if you enrolled July 2015 or later; 2.5% (or 2.67%) for earlier members. Average of your 36 highest months in a row.
- Teacher retirement age by state: Enrolled since July 2015: 65 with 5 years, 62 with 10, 55 with 30, or 33 1/3 at any age. Before 2010: 30 years at any age.
Plain-English guides
How your pension works
Which group am I in?Four enrollment groups by membership date: multiplier, 75% or 90% cap, retirement ages and increases.→The formula and the 75% capService × multiplier × your 36-month average, the 10% rule from 2010, and Nevada PERS's $801 / $750 / $675 example.→Early retirement: the 4% and 6% cutRetire at any age with 5 years: 4% or 6% a year off, measured to the unreduced age for your service.→Buying service creditUp to 5 years at full actuarial cost: Nevada PERS's cost factors and what a year adds.→Nevada PERS glossaryPlain-English definitions of the Nevada PERS terms you'll run into.→
Planning your exit
Leaving: refund or wait?Vesting at 5 years, refunds under the Employee/Employer plan (none under Employer-Pay), and buying a refund back.→Taxes on your pensionNo Nevada income tax and the NRS 286.670 exemption; federal tax and withholding.→Nevada PERS and Social SecurityWhat Nevada PERS's handbook and policies say, and what they don't.→
After you retire
Working after retirementThe 90-day rule, the 50% earnings limit, school hours and critical labor shortage jobs. There's no DROP.→Post-retirement increasesRaises from the fourth year, up to 5%, 4% or 3% by group, held down by the inflation cap.→Retiree health insuranceNevada PERS has no health plan; when the state's PEBP covers retirees, and the subsidy rules.→Death and survivor benefits$450 a month, or the Option 3 or Option 2 amount, for your spouse before you retire, and $400 per child.→
More calculators
Nevada PERS has no DROP (deferred retirement option plan): none appears in its publications or in NRS chapter 286. Summary Plan Description (REV 8/25) (no DROP section); NRS chapter 286 (table of contents) Check with Nevada PERS Retirees who go back to work follow the 90-day rule and earnings limit instead.
Source: Nevada PERS Summary Plan Description for Regular Members, REV 8/25 (law through the 2025 Legislature), pp. 1, 4-5, 7-8. Also: Nevada PERS Official Policies (eff. Sept. 1, 2024) pp. 9-10, 52-54, 62; Nevada PERS Pre-Retirement Guide (REV 1/25) pp. 6, 12; NRS §§ 286.510, 286.551, 286.802. Last reviewed .