PSERS pension after 10, 20, 25 and 30 years

Class multiplier (1% to 2.5%) × years of service × final average salary · November 2026

A PSERS member with 30 years of service and a $70k final average salary retires on about $4,375 a month at age 60 under the “Class T-D, 2.5% (joined before July 2011)” rules. That is 75.0% of salary. Amounts use your three highest school-year salaries at the first superannuation age for each length of service. Every year adds the same 2.5% in Class T-D, so 30 years pays 75% of salary. PSERS members also pay into Social Security.

Class T-D, 2.5% (joined before July 2011)

Service	Age	% of salary	$50k	$60k	$70k	$80k	$90k	$100k
10 yrs	62	25.0%	$1,042	$1,250	$1,458	$1,667	$1,875	$2,083
15 yrs	62	37.5%	$1,563	$1,875	$2,188	$2,500	$2,813	$3,125
20 yrs	62	50.0%	$2,083	$2,500	$2,917	$3,333	$3,750	$4,167
25 yrs	62	62.5%	$2,604	$3,125	$3,646	$4,167	$4,688	$5,208
30 yrs	60	75.0%	$3,125	$3,750	$4,375	$5,000	$5,625	$6,250
35 yrs	50	87.5%	$3,646	$4,375	$5,104	$5,833	$6,563	$7,292

Class T-C, 2% (joined before July 2011)

Service	Age	% of salary	$50k	$60k	$70k	$80k	$90k	$100k
10 yrs	62	20.0%	$833	$1,000	$1,167	$1,333	$1,500	$1,667
15 yrs	62	30.0%	$1,250	$1,500	$1,750	$2,000	$2,250	$2,500
20 yrs	62	40.0%	$1,667	$2,000	$2,333	$2,667	$3,000	$3,333
25 yrs	62	50.0%	$2,083	$2,500	$2,917	$3,333	$3,750	$4,167
30 yrs	60	60.0%	$2,500	$3,000	$3,500	$4,000	$4,500	$5,000
35 yrs	50	70.0%	$2,917	$3,500	$4,083	$4,667	$5,250	$5,833

Class T-F, 2.5% (joined July 2011 – June 2019)

Service	Age	% of salary	$50k	$60k	$70k	$80k	$90k	$100k
10 yrs	65	25.0%	$1,042	$1,250	$1,458	$1,667	$1,875	$2,083
15 yrs	65	37.5%	$1,563	$1,875	$2,188	$2,500	$2,813	$3,125
20 yrs	65	50.0%	$2,083	$2,500	$2,917	$3,333	$3,750	$4,167
25 yrs	65	62.5%	$2,604	$3,125	$3,646	$4,167	$4,688	$5,208
30 yrs	65	75.0%	$3,125	$3,750	$4,375	$5,000	$5,625	$6,250
35 yrs	57	87.5%	$3,646	$4,375	$5,104	$5,833	$6,563	$7,292

Class T-E, 2% (joined July 2011 – June 2019)

Service	Age	% of salary	$50k	$60k	$70k	$80k	$90k	$100k
10 yrs	65	20.0%	$833	$1,000	$1,167	$1,333	$1,500	$1,667
15 yrs	65	30.0%	$1,250	$1,500	$1,750	$2,000	$2,250	$2,500
20 yrs	65	40.0%	$1,667	$2,000	$2,333	$2,667	$3,000	$3,333
25 yrs	65	50.0%	$2,083	$2,500	$2,917	$3,333	$3,750	$4,167
30 yrs	65	60.0%	$2,500	$3,000	$3,500	$4,000	$4,500	$5,000
35 yrs	57	70.0%	$2,917	$3,500	$4,083	$4,667	$5,250	$5,833

Class T-G hybrid, 1.25% (joined July 2019 or later)

Service	Age	% of salary	$50k	$60k	$70k	$80k	$90k	$100k
10 yrs	67	12.5%	$521	$625	$729	$833	$938	$1,042
15 yrs	67	18.8%	$783	$940	$1,097	$1,253	$1,410	$1,567
20 yrs	67	25.0%	$1,042	$1,250	$1,458	$1,667	$1,875	$2,083
25 yrs	67	31.3%	$1,304	$1,565	$1,826	$2,087	$2,348	$2,608
30 yrs	67	37.5%	$1,563	$1,875	$2,188	$2,500	$2,813	$3,125
35 yrs	62	43.8%	$1,825	$2,190	$2,555	$2,920	$3,285	$3,650

Class T-H hybrid, 1% (joined July 2019 or later)

Service	Age	% of salary	$50k	$60k	$70k	$80k	$90k	$100k
10 yrs	67	10.0%	$417	$500	$583	$667	$750	$833
15 yrs	67	15.0%	$625	$750	$875	$1,000	$1,125	$1,250
20 yrs	67	20.0%	$833	$1,000	$1,167	$1,333	$1,500	$1,667
25 yrs	67	25.0%	$1,042	$1,250	$1,458	$1,667	$1,875	$2,083
30 yrs	67	30.0%	$1,250	$1,500	$1,750	$2,000	$2,250	$2,500
35 yrs	67	35.0%	$1,458	$1,750	$2,042	$2,333	$2,625	$2,917

Monthly amounts before tax, using the single-life payout. Salary columns are final average salary, not your last paycheck. Age is the first age with no early-retirement reduction for that service.

Retiring earlier or later

Retiring before the age shown means a smaller check for life, and waiting longer usually adds both service and, in some plans, a higher factor. The PSERS retirement chart shows the percentage at every age from 55 to 67, and the PSERS calculator runs your exact numbers.

What else adds to the check

PSERS members also pay into Social Security, so most retirees collect a Social Security benefit on top of these amounts. See the pension and Social Security calculator for the combined total, and the COLA guide for how the check grows after you retire.