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Find your group
From your effective date of membership: Enrolled before January 1, 2010; Enrolled January 1, 2010 to June 30, 2015; Enrolled on or after July 1, 2015. Enrolled before July 1, 1985, your cap is 90% instead of 75%.
NRS 286.510(1), 286.551(1)-(2); Summary Plan Description (REV 8/25), p. 4, Retirement Eligibility and Information table; Official Policies (2024), p. 37, Policy 7.17 - 2
Project your service
We add the time from today to your retirement date to the years you enter, a year of service per year of work, unless you tell us the years are already what you'll have at retirement. For members enrolled from July 1, 2015, bought service counts in the benefit but not toward eligibility, unless you have a family medical emergency.
Summary Plan Description (REV 8/25), p. 2, Service Credit; Summary Plan Description (REV 8/25), p. 3, Purchase of Service; NRS 286.510(1)(c); Official Policies revisions eff. Apr. 15, 2026 (memo of Mar. 26, 2026, attachment PDF p. 3, Policy 6.2(b)-(c)) - 3
Apply the formula
Service × multiplier (2.5% a year before July 1, 2001, 2.67% after; 2.5% a year; 2.25% a year) × your average monthly compensation, capped at 75% (90%). If you enrolled before 2010 and don't enter your years before July 1, 2001, we assume continuous service from your membership date.
Summary Plan Description (REV 8/25), p. 5, Benefit Formula; Summary Plan Description (REV 8/25), p. 4 (Benefit Multiplier row), p. 5 (note); Official Policies (2024), pp. 53-54, Policy 10.5 ('or fraction thereof for partial years'); NRS 286.551(1)(a), (c), (d); NRS 286.551(2); Official Policies (2024), p. 53, Policy 10.5; p. 62, Policy 10.29(d); Pre-Retirement Guide (REV 1/25), p. 12 - 4
Check for an early cut
Unreduced: 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. Otherwise, with 5 years, the cut is 4% or 6% a year plus 0.33% or 0.5% a month to the unreduced age that matches your service, part of a month counting as a month.
Summary Plan Description (REV 8/25), p. 4, Benefit Eligibility Requirements; Official Policies (2024), p. 52, Policy 10.1; Summary Plan Description (REV 8/25), p. 8; NRS 286.510(6)(a)-(b) - 5
Add the options and dates
Option 1 in dollars, Options 2 to 8 only for Nevada PERS's published ages (member 60, beneficiary 52), your full-benefit date, and your first post-retirement increase on your group's schedule.
Summary Plan Description (REV 8/25), p. 7, Optional Plans Example; Pre-Retirement Guide (REV 1/25), p. 6; Pre-Retirement Guide (REV 1/25), p. 2 (read from .layout.txt); NRS 286.5756(2)(a), 286.571(1)(a), 286.574(1); Official Policies (2024), p. 66, Policy 10.40
Each step has a plain-English guide: enrollment groups, the formula, early retirement, payment options and post-retirement increases. To try the steps with your own numbers, open the calculator.
What the calculator doesn't cover
- Your average compensation. We use the number you enter; Nevada PERS figures it from your employer's reports, with the 10% rule and pay limits.
- Options 2 to 8 for any ages other than Nevada PERS's published example (member 60, beneficiary 52).
- Future inflation caps on post-retirement increases. The calculator shows the schedule; real increases can be lower.
- Disability retirement, service credit for part-time or partial school years, and the cost of buying service in the calculator (the buying service page works Nevada PERS's tables).
- Health insurance premiums, Social Security and taxes.
How we check the math
The calculator runs on a small engine that reads every rule from one data file, with a source for each. Automated tests check it against every worked example in Nevada PERS's publications, plus the edges of each rule (5, 10, 30, 33 1/3 years; ages 55, 60, 62, 65; the 75% and 90% caps; the 1985, 2001, 2010, 2015 dates). The tests run every time the site is built.
| Example | Source shows | Our engine |
|---|---|---|
| Summary Plan Description: 10 years, $3,000, 26.7%Summary Plan Description (REV 8/25), p. 5, Example | $801 | $801.00Match |
| Summary Plan Description: 10 years, $3,000, 25%Summary Plan Description (REV 8/25), p. 5, Example | $750 | $750.00Match |
| Summary Plan Description: 10 years, $3,000, 22.5%Summary Plan Description (REV 8/25), p. 5, Example | $675 | $675.00Match |
| Pre-Retirement Guide: 25 years (23 before July 2001), 62.84%Pre-Retirement Guide (REV 1/25), p. 6, Benefit Calculation and Optional Plans Example | $1,760 | $1,759.52Match |
| $801 example, Option 2Summary Plan Description (REV 8/25), p. 7, Optional Plans Example; Pre-Retirement Guide (REV 1/25), p. 6 | $664 / $664 | $664.03 / $664.03Match |
| $801 example, Option 3Summary Plan Description (REV 8/25), p. 7, Optional Plans Example; Pre-Retirement Guide (REV 1/25), p. 6 | $726 / $363 | $726.11 / $363.05Match |
| $801 example, Option 4Summary Plan Description (REV 8/25), p. 7, Optional Plans Example; Pre-Retirement Guide (REV 1/25), p. 6 | $672 / $672 | $672.28 / $672.28Match |
| $801 example, Option 5Summary Plan Description (REV 8/25), p. 7, Optional Plans Example; Pre-Retirement Guide (REV 1/25), p. 6 | $731 / $365 | $730.99 / $365.50Match |
| $801 example, Option 8Summary Plan Description (REV 8/25), p. 7, Optional Plans Example; Pre-Retirement Guide (REV 1/25), p. 6 | $792 / $792 | $792.03 / $792.03Match |
| $1,760 example, Option 2Summary Plan Description (REV 8/25), p. 7, Optional Plans Example; Pre-Retirement Guide (REV 1/25), p. 6 | $1,459 / $1,459 | $1,459.04 / $1,459.04Match |
| $1,760 example, Option 3Summary Plan Description (REV 8/25), p. 7, Optional Plans Example; Pre-Retirement Guide (REV 1/25), p. 6 | $1,595 / $798 | $1,595.44 / $797.72Match |
| $1,760 example, Option 4Summary Plan Description (REV 8/25), p. 7, Optional Plans Example; Pre-Retirement Guide (REV 1/25), p. 6 | $1,477 / $1,477 | $1,477.17 / $1,477.17Match |
| $1,760 example, Option 5Summary Plan Description (REV 8/25), p. 7, Optional Plans Example; Pre-Retirement Guide (REV 1/25), p. 6 | $1,606 / $803 | $1,606.18 / $803.09Match |
| $1,760 example, Option 8Summary Plan Description (REV 8/25), p. 7, Optional Plans Example; Pre-Retirement Guide (REV 1/25), p. 6 | $1,740 / $1,740 | $1,740.29 / $1,740.29Match |
| Early retirement: enrolled before 2010, 25 years at 55Summary Plan Description (REV 8/25), p. 8; NRS 286.510(6)(a)-(b) | 20% | 20%Match |
| Service cost factor, enrolled before 2010, age 50, 20 yearsOfficial Policies (2024), pp. 108-109, Appendix B (Regular members hired prior to 1/1/2010) | 39.15% | 39.15%Match |
| Earnings limit, fiscal year 2025Nevada PERS memo, Re-Employed Retiree Earnings Limitation for Fiscal Year 2025 (Dec. 9, 2024); Nevada PERS News Volume I - 2025 | $31,335 | $31,335Match |
| Survivor benefit, 10 yearsSummary Plan Description (REV 8/25), p. 11, Amount of Survivor Benefits | Option 3 | Option 3Match |
| Survivor benefit, 12 years, age 60 (eligible to retire)Summary Plan Description (REV 8/25), p. 11, Amount of Survivor Benefits | Option 2 | Option 2Match |
| Survivor benefit, 15 yearsSummary Plan Description (REV 8/25), p. 11, Amount of Survivor Benefits | Option 2 | Option 2Match |
Nevada PERS prints whole dollars; our cents differ by under $1 (see the Option 5 rounding note on payment options). The early retirement and cost factor rows check the facts we quote on those pages.
Things to check with Nevada PERS
The sources don't settle these points. Each is labelled "Check with Nevada PERS" where it shows up on the site.
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.
We measure the cut to the unreduced age that matches the service you have on your retirement date (for example, age 60 if you have 10 years and enrolled before 2010). Nevada PERS prints no early retirement example to confirm this.
What would settle it: A Nevada PERS estimate for a member with 10-29 years retiring early.
Nevada PERS's cost tables by age and service carry no effective date. Its older tables say they ended June 30, 2024, so we treat these as the current ones.
What would settle it: A Nevada PERS purchase-of-service cost estimate, or a complete 2026 Official Policies edition.
The cost tables use whole years of age and service. The sources don't say whether a part year is rounded or dropped. We drop it.
What would settle it: A Nevada PERS purchase-of-service cost estimate.
The only earnings limit published in the sources we have is for fiscal year 2025 (July 2024 to June 2025). The fiscal year 2026 figure is our own math: half of the 2025 average salary, the same way the 2025 limit was set. Fiscal year 2027's can't be worked out yet.
What would settle it: Nevada PERS's Re-Employed Retiree Earnings Limitation memos for fiscal years 2026 and 2027.
The newest inflation cap we found took effect September 1, 2025. The cap for increases paid from September 1, 2026 wasn't in the sources.
What would settle it: A 2026 Nevada PERS newsletter or notice giving the cap effective Sept. 1, 2026.
If you enrolled on or after July 1, 2015, the law and Nevada PERS's policies describe the inflation limit on the 3% step (from the 10th year) in different words. We apply the inflation cap to that step only.
What would settle it: Nevada PERS confirmation of which CPI measure limits the 3% step for post-2015 members.
Nevada PERS publishes option percentages only for a 60-year-old member with a 52-year-old beneficiary. For any other ages, Options 2 to 8 need an estimate from Nevada PERS.
What would settle it: Nevada PERS option factor tables or member-specific estimates.
The full Nevada PERS policy book we have took effect September 1, 2024. The changes from April 15, 2026 are known only from Nevada PERS's notice memo, so other small changes could exist.
What would settle it: A complete Official Policies edition effective Apr. 15, 2026.
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).
PEBP covers retirees only if their last employer takes part in PEBP for its own employees. The sources don't say which school districts do. Many districts may have their own retiree coverage instead.
What would settle it: PEBP's list of participating non-State agencies, or each school district's retiree health rules.
We found no DROP (deferred retirement option plan) in Nevada PERS's publications or in the law. No source says outright that there isn't one.
What would settle it: Nevada PERS confirmation that no DROP exists for Regular members.
From April 15, 2026, a school-year employee gets a full year of service for 900 hours over at least 8 months. The older 2025 Pre-Retirement Guide still says full time for the full school year.
What would settle it: A newer Pre-Retirement Guide.
Where sources disagreed
- One section of the law gives a spouse the Option 2 benefit if you had 'more than 15 years'. Another section, Nevada PERS's policy and the handbook's table say 15 or more. We use 15 or more. NRS 286.676(1)(b); NRS 286.6768(1)(b); Official Policies (2024), p. 47, Policy 9.3(c); Summary Plan Description (REV 8/25), p. 11
- The handbook's survivor section says you need 'more than 10 years'. Its own table, the law and Nevada PERS's policy say 10 or more. We use 10 or more. Summary Plan Description (REV 8/25), p. 9 and p. 11; NRS 286.672(1); Official Policies (2024), p. 46, Policy 9.1(c)
- The newer handbook says federal rules may limit Options 2, 4 and 6 if a beneficiary who isn't your spouse is more than 10 years younger than you. The older guide lists only Options 2 and 4. We follow the newer handbook. Summary Plan Description (REV 8/25), pp. 6-7; Pre-Retirement Guide (REV 1/25), pp. 4, 6
- If you enrolled on or after July 1, 2015, the law caps the 3% step (from the 10th year) at the past calendar year's inflation. Nevada PERS's policy says the 'CPI cap'. The guide's table just says 3%. We apply the inflation cap to that step only. NRS 286.574(1); Official Policies (2024), p. 66, Policy 10.40(c); Pre-Retirement Guide (REV 1/25), p. 2
- The handbook says members 'enrolled' on or after July 1, 1989 vest at 5 years; the law says 'active'. For today's teachers it comes to the same thing. Summary Plan Description (REV 8/25), p. 3; NRS 286.6793(1)
- The handbook shows Option 5 as $731 to you and $365 to your beneficiary. The percentage works out to $730.99 and $365.50. The $1 gap is rounding. Summary Plan Description (REV 8/25), p. 7; Pre-Retirement Guide (REV 1/25), p. 6
- One Nevada PERS policy says 'prior to June 30, 1985' for the 90% cap. The law and another policy say before July 1, 1985. We use the law's date. Official Policies (2024), p. 62, Policy 10.29(d); p. 53, Policy 10.5(a); NRS 286.551(2)
- The handbook and guide print '33.3 years'. The law and Nevada PERS's policy say 33 1/3 years. We use 33 1/3. Summary Plan Description (REV 8/25), p. 4; NRS 286.510(1)(c); Official Policies (2024), p. 52, Policy 10.1(c)
Sources
- Nevada PERS Summary Plan Description for Regular Members REV 8/25 (file posted Oct. 2025); based on retirement law effective from the 83rd session of the Nevada Legislature, 2025
- Nevada PERS Pre-Retirement Guide, Regular Members REV 1/25 (form 22911); based on the law effective from the 82nd session, 2023
- Official Policies of the Public Employees' Retirement System of Nevada Effective Sept. 1, 2024
- Memo: Implementation of Revised Public Employees' Retirement System Official Policies (with revised policy text attached) Mar. 26, 2026; revisions approved Mar. 19, 2026, effective Apr. 15, 2026
- Retirement Contribution Rates - Guidelines for Implementing Changes in Rate of Retirement Contributions Beginning July 1, 2025 Dec. 2, 2024
- Re-Employed Retiree Earnings Limitation for Fiscal Year 2025 Dec. 9, 2024
- Active Member Salary Limitation - Members enrolled on or after July 1, 2015 Dec. 5, 2025
- Nevada PERS News, Volumes 1 and 2, 2025 2025
- Retiree Reemployment Notification forms (Non-Nevada PERS Eligible Position, Rev. 04/25; CLS Nevada PERS Eligible Position, 05-2024) Rev. 04/25; 05-2024
- NRS chapter 286, Public Employees' Retirement Rev. 4/15/2026 (2025 statutes)
- Constitution of the State of Nevada Rev. 4/15/2026
- Nevada Public Employees' Benefits Program: Instructions for Retiring Before Age 65 (with Plan Year 2027 Benefit Guide); Eligibility for Retiree Benefits Packet edited 1/2026; PY2027 (July 1, 2026 - June 30, 2027)
Summary Plan Description pages are the printed page numbers. Last reviewed Nov. 12, 2026.
Source: Nevada PERS Summary Plan Description for Regular Members, REV 8/25 (law through the 2025 Legislature), pp. 2-5, 7-8, 11. Also: Nevada PERS Official Policies (eff. Sept. 1, 2024) pp. 37, 52-54, 62, 66, 108-109; Nevada PERS Official Policies revisions eff. Apr. 15, 2026; Nevada PERS Pre-Retirement Guide (REV 1/25) pp. 2, 6, 12; Nevada PERS memo of Dec. 9, 2024; Nevada PERS News (2025); NRS §§ 286.510, 286.551, 286.571, 286.574, 286.5756. Last reviewed .
Nevada PERS says a Nevada PERS benefit and a Social Security benefit don't affect each other. Its policies say an employer must leave Social Security to join Nevada PERS. The sources don't say outright whether school employees pay into Social Security.
What would settle it: A current Nevada PERS or Social Security Administration statement on Nevada public school employees' Social Security coverage and WEP/GPO.