Check with PSERSEstimate only, not an official benefit amount. Confirm with PSERS (1-888-773-7748) before you decide.
Your estimated monthly check
Fill in the form and we'll show your membership class, your Maximum Single Life Annuity, the date you reach normal retirement, and what working longer would add.
Your road to normal retirement
Retire as planned, or work longer?
Your check at every age
Try PSERS's own sample retireeA Class T-D member born May 18, 1971, retiring June 30, 2026 with 25 years and a $67,200 final average salary (1 year at 2.0%).Load her numbers: PSERS's estimate shows $2,951 a month after a 15% special early cut.
Common questions
How is a PSERS pension calculated?
Your yearly pension at normal retirement (the Maximum Single Life Annuity) is your final average salary times your class multiplier times your years of service. Multipliers: T-C 2%, T-D 2.5%, T-E 2%, T-F 2.5%, T-G 1.25%, T-H 1%.
Which membership class am I in?
PSERS has seven membership classes: T-C, T-D, T-E, T-F, T-G, T-H and DC. Your class is printed on your annual Statement of Account. If you first qualified for membership before July 1, 2001, you are Class T-C unless you elected to convert to Class T-D under Act 2001-9. If you first qualified between July 1, 2001 and June 30, 2011, you are Class T-D. Members who had a break in service before July 1, 2001 and returned on or after that date also became T-D after earning 3 eligibility points. If you first qualified on or after July 1, 2011 (and before July 1, 2019), you were enrolled in Class T-E by default and had a one-time chance to elect Class T-F. If you first qualify on or after July 1, 2019, you are enrolled in Class T-G by default and get a one-time chance to elect Class T-H or Class DC. The choice is irrevocable.
When can I retire with no reduction?
Class T-C and T-D: full (unreduced) retirement at age 62, at age 60 with 30 years of service, or with 35 years of service at any age. Class T-E and T-F: full retirement at age 65 with at least 3 years of service, or when your age plus service totals 92 and you have at least 35 years (the Rule of 92). Class T-G: full retirement at age 67 with at least 3 years, or age plus service totaling 97 with at least 35 years (the Rule of 97). Class T-H: full retirement at age 67 with at least 3 years of service. There is no Rule of 97 for T-H.
Why does the calculator say "up to" for some early retirements?
PSERS cuts an ordinary early retirement by actuarial factors it doesn't publish. Only the 55/25 special early retirement has a published cut (0.25% a month). For the others we show the unreduced amount as an upper limit. Your real check will be lower.
Does PSERS give a cost-of-living increase?
Not automatically. Only the Pennsylvania Legislature can grant one. Act 21 of 2026 gave an increase only to members who retired on or before July 1, 2001.
Is this the official PSERS calculator?
No. This is an unofficial estimate built from PSERS's own publications. It is not affiliated with PSERS. PSERS's Member Self-Service portal has the official estimator, and PSERS decides your benefit.
Compare Pennsylvania with other states
- States where teachers don't get Social Security
- Teacher DROP plans by state: PSERS has no DROP; none of its publications describe one.
- Teacher pension COLAs by state: No automatic COLA. Only the Legislature can grant one. The 2026 increase went only to those retired by July 1, 2001.
- State taxes on teacher pensions, by state: PSERS pensions are not subject to Pennsylvania state or local income tax.
- Teacher pension multipliers by state: By class: T-C and T-E 2.0%, T-D and T-F 2.5%, T-G 1.25%, T-H 1.0%. Average of best 3 years (T-G and T-H: 5 years).
- Teacher retirement age by state: Depends on class. T-E and T-F: 65 with 3 years, or age + years = 92 with 35 years. Newest (T-H): 67 with 3 years.
Plain-English guides
How your pension works
Which membership class am I?T-C to T-H and DC: your membership date decides, and what each class gets.→The pension formulaFinal average salary × multiplier × years, with PSERS's own example.→Retiring earlyThe 55/25 special early retirement, and why other early cuts aren't published.→Buying service creditWhat service you can buy, the deadline, and how to pay.→PSERS glossaryPlain-English definitions of the PSERS terms you'll run into.→
Planning your exit
After you retire
Working after retirementReturn-to-service exceptions, and the frozen annuity.→COLA and Act 21 of 2026No automatic increase. Who Act 21 of 2026 covers, and by how much.→Health insurance and Premium AssistanceThe Health Options Program, and who gets help with premiums.→Death and survivor benefitsWhat your family receives before and after you retire.→
More calculators
Some states have a DROP program. None of PSERS's publications describe one, so there's no DROP page here. If you want to keep working and boost your check, see One more year?
Source: PSERS Active Member Handbook, Current pa.gov edition (PDF revised Sept. 2023), pp. 5, 14, 19, 21-22. Also: Retirement Exit Counseling 2025-2026, PDF pp. 4-5, 8-24. Also: Let's Talk About PSERS Death Benefits (Mar. 2025), p. 1. Also: PSERS web page Leaving Employment. Also: Retired Member Handbook (3/2014), p. 9. Last reviewed .