VRS Calculator
Calculate your Virginia Retirement System pension benefits. Estimate your monthly VRS retirement income based on your plan type, years of service, multiplier, and average final compensation.
VRS Plan Type
Personal Details
Service & Compensation
Social Security
VRS Pension Strength
Your VRS pension is a solid foundation. Consider supplemental savings to ensure a comfortable retirement.
Monthly Pension
$2,656
Salary Replacement
43%
Monthly Pension
$2,656
$31,875/year
Salary Replacement
43%
of $75,000 AFC
Lifetime Value
$828,750
over 26 years
Plan Type
Plan 1
1.7% multiplier
Early Retirement Reduction: 0%
Retiring at age 62 under Plan 1 applies a 0% actuarial reduction to your benefit. Waiting until age 55 would give you the full unreduced benefit of $2,656/month.
VRS Pension Income Over Time
Projected pension and Social Security income through retirement
Nominal vs Real Income
How inflation affects your purchasing power over time
Personalized Insights
Actionable recommendations based on your numbers
43% salary replacement
Your VRS pension covers 43% of your average final compensation. Consider supplementing with a 403(b), 457, or IRA to reach the recommended 70-80% total replacement.
0% early retirement reduction
Retiring at 62 under Plan 1 applies a 0% reduction. Waiting until age 55 would give you the full unreduced benefit.
Rule of 90: You need 3 more points
Your current age (62) + service (25) = 87. You need 3 more combined points to meet the Rule of 90 for unreduced Plan 1 benefits.
$828,750 lifetime pension value
Over 26 years of retirement, your VRS pension provides $828,750 in total income. Combined with Social Security starting at age 67, your total guaranteed income stream is substantial.
5 more years would reach 30-year milestone
With 30 years of service, your annual pension would be approximately $38,250 ($3,188/month) — a significant increase from your current $31,875/year.
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