Estimador de Beneficio de Pensión — Fórmula

Defined Benefit Pension Formula

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

The multiplier typically ranges from 1% to 2.5% per year of service.

Example Multipliers

Employer TypeTypical Multiplier Federal government1.0-1.1% State/local government1.5-2.5% Private sector1.0-1.5%

Ejemplo Resuelto

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

  1. Annual pension = 25 x 0.015 x $85,000
  2. = 0.375 x $85,000 = $31,875/year
  3. Monthly = $31,875 / 12 = $2,656
  4. Replacement rate = 25 x 1.5% = 37.5%