Calculadora de Pensión — Fórmula

How Pension Benefits Are Calculated

Most defined-benefit pensions use this formula:

Annual Benefit = Final Salary × Years of Service × Multiplier

The multiplier is typically 1.5% to 2.5% per year of service. A 2% multiplier with 25 years gives 50% income replacement.

Ejemplo Resuelto

$75,000 salary, 25 years of service, 2% multiplier.

  1. Annual pension = $75,000 × 25 × 2% = $37,500
  2. Monthly pension = $37,500 / 12 = $3,125
  3. Replacement ratio = $37,500 / $75,000 = 50%