Public Pension Calculator

CalPERS Pension After 25 Years of Service

How Much Will You Get at 25 Years of Service Credit?

✓Official benefit factor tables · All major formulas

If you're modeling a 25-year CalPERS career, this page shows what your monthly pension would look like under each of the major formulas, evaluated at the formula's reference age. The benefit factor is fixed by your formula and age; the only remaining variables for your pension dollar are your final compensation and these 25 years of service credit.

Estimated Monthly Pension at 25 Years — Salary Comparison

Each cell is the estimated monthly pension under that formula (evaluated at the formula's reference age) for 25 years of service and the listed annual final compensation. The math is straightforward: benefit factor × 25 years × monthly final compensation.

Formula$60,000/yr$80,000/yr$100,000/yr$120,000/yr
2% at 55State Miscellaneous & Industrial · ref age 55$2,500$3,333$4,167$5,000
2% at 62State Miscellaneous & Industrial · ref age 62$2,500$3,333$4,167$5,000
2% at 60State Miscellaneous & Industrial · ref age 60$2,500$3,333$4,167$5,000
2% at 55School · ref age 55$2,500$3,333$4,167$5,000
2% at 62School · ref age 62$2,500$3,333$4,167$5,000
2% at 55Local Miscellaneous · ref age 55$2,500$3,333$4,167$5,000

Replacement rate at 25 years: 2% formulas replace about 50% of final compensation; 2.5% formulas about 62.5%; 3% formulas about 75%. PEPRA caps may apply at higher salaries.

Calculator — pre-set to 25 years

Loaded with the 2% at 55 (State Miscellaneous & Industrial) formula at its reference age. Change the formula, salary, or service to model your situation.

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25 Years of Service — Frequently Asked Questions

When can I retire from CalPERS?▾
You can retire when you reach the minimum retirement age for your formula and have at least 5 years of service credit. However, retiring at the minimum age typically gives you a much lower benefit factor. The benefit factor increases as you approach and reach your formula's reference age.
What is service credit?▾
Service credit is the years (and partial years) you have worked under a CalPERS or CalSTRS covered position. One year of full-time employment equals one year of service credit. Part-time employees earn proportional service credit.
Does CalPERS affect my Social Security benefits?▾
Some CalPERS formulas are Social Security covered, meaning you pay into both CalPERS and Social Security. Others are not covered, meaning you do not pay Social Security taxes and may be subject to the Windfall Elimination Provision (WEP) if you have Social Security credits from other employment.
What are the survivor benefit options?▾
CalPERS offers four retirement options: Unmodified (no survivor benefit, highest monthly payment), 100% Survivor (your beneficiary receives the same monthly benefit after your death), 75% Survivor, and 50% Survivor. Choosing a survivor option reduces your monthly pension. The reduction depends on your age and your beneficiary's age at retirement.
How accurate is this calculator?▾
This calculator uses the official benefit factor tables published by CalPERS and CalSTRS. The benefit factor lookup is verified against official PDF documents. However, your actual pension may differ due to factors not included in this estimate, such as exact survivor actuarial reductions, reciprocity, disability retirement, or employer-specific rules. For an official estimate, log in to myCalPERS or contact your retirement system.
Which survivor option should I pick?▾
There is no single right answer — it depends on your beneficiary's age, your beneficiary's expected income without your pension, and your own life expectancy. The 100% survivor option costs roughly 12.25% of your monthly check but guarantees your beneficiary the same payment for life. The 50% survivor option costs roughly 6.5% and continues half. The unmodified option pays the most but ends at your death. Run all four side by side in the calculator's survivor selector.

Related Service-Year Scenarios

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CalPERS Pension After 20 Years of Service

Same comparison at 20 years

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CalPERS Pension After 30 Years of Service

Same comparison at 30 years

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How Much More If I Work One More Year?

Marginal benefit of an extra year of service

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How Much Will My CalPERS Pension Be?

Step-by-step formula walkthrough

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CalPERS Calculator Hub

All 32 CalPERS retirement formulas

Disclaimer:Estimates only. Actual pension benefits depend on your formula, exact final compensation, retirement age, survivor option, and CalPERS' final calculation. Verify with myCalPERS before retirement decisions.