About

TeacherPensionEstimator is a free, independent educational tool that estimates a defined-benefit teacher pension from Final Average Salary, years of service, and a benefit multiplier. No account, nothing uploaded, no cost.

What it actually does

You enter your Final Average Salary and years of service, and choose a multiplier — either one of several illustrative reference points from real state systems (CalSTRS, Texas TRS, Florida FRS, Illinois TRS) or your own exact rate — and the tool applies the standard formula used by most US state teacher retirement systems: Annual pension = FAS × Years of Service × Multiplier. It also shows a sensitivity table so you can see how the estimate changes with small multiplier differences.

Who this is for

US public school teachers who want a quick, rough sense of their eventual pension using numbers they already know (or a reasonable guess), before consulting their own state system's official calculator for a binding figure.

What it is not

• It is not affiliated with, endorsed by, or authoritative for CalSTRS, Texas TRS, Florida FRS, Illinois TRS, or any other state retirement system. The multipliers shown are illustrative approximations, not guaranteed-current official rates.
• It does not model cost-of-living adjustments, Social Security offset rules (WEP/GPO), survivor benefits, disability provisions, or tier-specific rules that vary by hire date.
• It is not financial, legal, or retirement planning advice — see the disclaimer on every page.

How your data is handled

All calculations happen in your browser — nothing is uploaded to, or stored on, any server. See the privacy policy for full detail.

Contact

Questions or corrections: support@pensionestimator.com

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