NYSTRS Pension Calculator
Estimate your New York State Teachers Retirement System pension benefit. Calculate your NYSTRS pension using Tier 4 or Tier 6 formulas based on your final average salary, years of service, and retirement age.
NYSTRS Tier
Salary & Service
NYSTRS Pension Score
Your NYSTRS pension is a solid foundation. Consider supplementing with a 403(b) or other savings to ensure a fully comfortable retirement.
Monthly Pension
$3,436
Salary Replacement
43%
Monthly Pension
$3,436
$41,230/year
Salary Replacement
43%
of $95,000 FAS
Lifetime Pension
$1,360,038
over 27 years
Benefit Multiplier
43.4%
Tier 4 formula
NYSTRS Pension Over Time
Annual Tier 4 pension payments with COLA through retirement
Personalized Insights
Actionable recommendations based on your numbers
Moderate Tier 4 pension: $3,436/month
Your NYSTRS pension of $3,436/month is a valuable benefit. Consider supplementing with a 403(b) plan or other savings to maintain your pre-retirement standard of living.
43% salary replacement
Your pension replaces 43% of your final average salary. Most financial advisors recommend 70-80% total income replacement. Consider how Social Security and savings will fill the gap.
No early retirement penalty
At age 60 with 25 years of service, you qualify for an unreduced pension under Tier 4 rules. The 55/20 provision means no age-based reduction.
Tier 4 benefit grows at 2% per year beyond 20
With 25 years, each additional year now adds 2% of your FAS (instead of 1.67%). Reaching 30 years would give you a 53.4% total multiplier.
$1,360,038 in estimated lifetime pension payments
Over 27 years of retirement with a 1.5% annual COLA, your total pension payments are projected at $1,360,038. A longer life expectancy increases the value of your NYSTRS defined benefit.
Final Average Salary drives your pension benefit
Your FAS of $95,000 is the single largest factor in your pension calculation. NYSTRS calculates FAS using your highest consecutive 3 years of earnings. Maximizing salary in your final years of service can significantly boost your pension.
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