Pensionsleistungsschaetzer (detailliert) — Formel

Pension Benefit Calculation

Standard Formula

Annual Pension = Years of Service x Multiplier x Final Average Salary

Common Multipliers

Employer TypeTypical Multiplier Federal FERS1.0-1.1% State/Local1.5-2.5% Military (20yr)2.5% Private Sector1.0-2.0%

Final Average Salary

Usually the average of your highest 3-5 consecutive years of earnings. Some plans use career average instead.

Lump Sum Option

Some plans offer a lump sum payout. A rough equivalent is 15-20x the annual benefit.

Lösungsbeispiel

25 years of service, $85,000 final average salary, 1.5% multiplier.

  1. Annual pension = 25 x 1.5% x $85,000 = $31,875
  2. Monthly pension = $31,875 / 12 = $2,656
  3. Replacement ratio = 25 x 1.5% = 37.5%
  4. Lump sum equivalent = $31,875 x 18 = ~$573,750