Defined Benefit Pension Calculator — Accurate Retirement Income Estimates

Defined Benefit Pension Calculator

Calculate your defined benefit pension projections, retirement income, and pension value. Get precise estimates for your pension plan benefits.

Step 1: Personal Information

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Pension Information

Defined benefit pensions provide a guaranteed retirement income based on salary history and years of service with your employer.

Step 2: Pension Plan Details

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About Defined Benefit Pensions

Defined benefit plans guarantee a specific monthly benefit at retirement, often based on a formula considering salary and years of service.

Pension Calculation Results

Summary
Annual Projections
Pension Breakdown

Annual Pension Income at Retirement

$32,500
Monthly: $2,708 | Lifetime Value: $812,500
Years to Retirement
20 years
Final Salary
$106,631
Total Service Years
35 years
Pension Funding Level
Well-Funded

Annual Pension Projections

Current Pension Value
$14,625
Based on current service
At Age 55
$21,938
Early retirement option
At Retirement (65)
$32,500
Full retirement age
At Age 75
$32,500
COLA adjusted: $39,000

Pension Growth Projection

Your pension grows with each additional year of service and salary increases. The accrual rate determines how much benefit you earn each year.

Pension Benefit Breakdown

Pension Calculation Formula

Annual Pension = (Final Average Salary × Accrual Rate × Years of Service) / 100

Final Average Salary is typically based on your highest earning years. Accrual rate is determined by your pension plan (commonly 1-2% per year).

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