Pension Calculator
Free pension calculator. Get instant results — no signup, no account. Plan and compare with confidence.
Use the Pension Calculator below.
Estimate your pension income at retirement. Enter years of service, salary, and pension formula. Free pension calculator for USA and worldwide.
How to use Pension Calculator
Enter service and salary
Input years of service and salary (or average).
Enter formula if known
Input multiplier or formula from your plan.
View estimate
See estimated pension income.
Features
- Instant results — no waiting or signup.
- Free to use — no hidden fees.
- No login or account required.
- Works on all devices — desktop, tablet, and mobile.
- Your data stays private — we do not store your inputs.
Why use this calculator
- Plan your finances with accurate estimates.
- Compare scenarios in seconds.
- Make informed decisions before you borrow or invest.
Supported browsers and devices
- All modern browsers (Chrome, Firefox, Safari, Edge).
- Mobile-friendly — use on phone or tablet.
- No app download — runs in your browser.
Frequently asked questions
Complete guide to Pension Calculator
What is a pension calculator?
A pension calculator estimates your pension income in retirement based on your salary history, years of service, and plan formula (e.g. defined benefit). Some calculators also help you plan supplemental savings if your pension will not cover all expenses. Use it to see how much you can expect from a employer pension and how it fits with Social Security and other savings.
Pension and other retirement income
If you have a defined-benefit pension, it often provides a fixed monthly amount for life. Combine that with Social Security (or equivalent) and personal savings (401(k), IRA) to estimate total retirement income. Inflation may erode the purchasing power of a fixed pension over time; factor that into planning.
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Disclaimer
Our financial calculators are for informational and educational purposes only. Results are estimates based on the inputs you provide and standard formulas. They are not financial, tax, or legal advice. We do not store or share the numbers you enter.