Firefighter Pension Calculator
Estimate your fire department pension benefit based on years of service, final average salary, and your plan's enhanced multiplier. Includes line-of-duty disability benefit estimates and COLA projections.
Personal Details
Firefighter Pension Details
Firefighter Pension Strength
Your firefighter pension provides excellent retirement income with strong salary replacement and inflation protection.
Monthly Pension
$10,129
Salary Replacement
75%
Monthly Pension
$10,129
$121,553/year
Salary Replacement
75%
of $157,862 FAS
Disability Benefit
$8,940/mo
66% of final salary
Lifetime Value
$4,503,686
over 28 years
Pension Income with COLA Over Retirement
How your annual pension grows with cost-of-living adjustments
Personalized Insights
Actionable recommendations based on your numbers
Excellent replacement rate: 75%
Your firefighter pension replaces 75% of your final salary. This exceeds the 70-80% target and reflects the enhanced multiplier common in fire department pension plans.
Service requirement met: 28 years
You will have 28 years of service at retirement, exceeding the 20-year minimum. You are fully eligible for your firefighter pension benefit.
Eligible for early retirement at 50+
Most firefighter pension plans allow retirement between ages 50-55 with sufficient service. At 52, you meet the minimum age requirement for your enhanced fire department pension.
COLA grows pension to $180,621/yr by year 20
Your 2% annual COLA increases your pension from $121,553/yr to $148,172/yr after 10 years and $180,621/yr after 20 years. This inflation protection is critical for a long retirement.
Line-of-duty disability: $8,940/month
If injured in the line of duty, your disability benefit would be approximately $107,283/yr (66% of final salary). This benefit typically requires no minimum service period and may be tax-advantaged.
Lifetime pension value: $4,503,686
Over 28 years of retirement, your pension will pay out approximately $4,503,686 in total benefits (including COLA adjustments). This represents significant guaranteed retirement income.
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