Washington State Pension Calculator
Estimate your Washington State pension in under a minute. Pick your DRS plan, the age you’d like to retire, your years of service and your pay.
Calculators by plan
Each plan page has the same calculator, plus that plan’s rules and a worked example.
- PERS 2 pension calculatorPublic Employees’ Retirement System
- PERS 3 pension calculatorPublic Employees’ Retirement System
- TRS 2 pension calculatorTeachers’ Retirement System
- TRS 3 pension calculatorTeachers’ Retirement System
- SERS 2 pension calculatorSchool Employees’ Retirement System
- SERS 3 pension calculatorSchool Employees’ Retirement System
- PSERS 2 pension calculatorPublic Safety Employees’ Retirement System
- LEOFF 2 pension calculatorLaw Enforcement Officers’ and Firefighters’ Retirement System
- WSPRS 2 pension calculatorWashington State Patrol Retirement System
How each plan’s pension works
| Plan | Per year of service | Full pension | Early retirement |
|---|---|---|---|
| PERS 2, TRS 2, SERS 2 | 2% × years | 65 with 5 years; 62 with 30 years (started before May 1, 2013) | From 55 with 20 years, reduced |
| PERS 3, TRS 3, SERS 3 | 1% × years (pension part) | 65 with 10 years (or 5 with 12 months after 44); 62 with 30 years (started before May 1, 2013) | From 55 with 10 years, reduced |
| PSERS 2 | 2% × years | 65 with 5 years, or 60 with 10 years of PSERS service | From 53 with 20 years, 3% a year before 60 |
| LEOFF 2 | 2% years 1–15, 2.5% years 16–25, 2% after 25 | 53 with 5 years | From 50 with 20 years, 3% a year before 53 |
| WSPRS 2 | 2% × years, up to 75% | Any age with 25 years, or 55 | None |
Pension = your average pay in your highest-paid 60 consecutive months ÷ 12 × the plan’s percentage × the share you keep if you retire early. With 30 or more years in PERS, TRS or SERS Plans 2 and 3, the early-retirement reduction is much smaller.
Then the bigger question: is it enough?
The free Washington Retirement Scorecard adds your savings and Social Security, shows your monthly income against your spending before and after Social Security, and names the three things to work on first. Your numbers from this calculator carry over.
What this estimate leaves out
- Survivor options. It shows the single-life amount, the highest option. Choosing a survivor benefit for a spouse lowers it.
- Months. It counts whole years; DRS counts months.
- Service credit purchases, and pay rules that differ by plan, like which overtime counts.
- Cost-of-living raises. Pay and pension are in today’s dollars. After you retire, these pensions get a yearly cost-of-living raise of up to 3%.
- Plan 1. This calculator covers Plan 2 and Plan 3 (PSERS 2, LEOFF 2 and WSPRS 2 too), not Plan 1.
For your official number, request a benefit estimate in your DRS online account at drs.wa.gov. DRS suggests doing it 3 to 12 months before you retire. Every formula behind this calculator is written out on the how it works page.
Common questions
How is a Washington State pension calculated?
Your yearly pension is a percentage of your average pay in your highest-paid 60 consecutive months, times your years of service: 2% a year in Plan 2, PSERS 2 and WSPRS 2, 1% in Plan 3 (plus your separate investment account), and a tiered 2% to 2.5% in LEOFF 2. Retiring before the plan’s full-benefit age lowers it.
Which DRS plan am I in?
It’s listed in your DRS online account at drs.wa.gov. If you have service in more than one plan, start with the one where you have the most years.
Does this calculator cover Plan 1?
No. It covers PERS, TRS and SERS Plans 2 and 3, PSERS 2, LEOFF 2 and WSPRS 2.
Is this my official DRS benefit?
No. It’s an estimate from each plan’s published formula. Your official estimate is in your DRS online account.