Pension calculators · Rules checked November 2026

LEOFF 2 Pension Calculator

Estimate your monthly LEOFF 2 pension in under a minute. LEOFF covers police officers, sheriff’s deputies and firefighters. Enter the age you’d like to retire, your years of service and your pay.

How the LEOFF 2 formula works

LEOFF 2 uses a tiered multiplier: 2% for each of your first 15 years of service, 2.5% for years 16 through 25, and 2% for each year after 25. That percentage is applied to your final average salary, the average of your highest-paid 60 consecutive months.

Example: $110,000 pay, 25 years of service, retiring at 53: $110,000 ÷ 12 × 55% = $5,042 a month.

When you can retire from LEOFF 2

Full pension at 53 with at least 5 years of service.
Early retirement from 50 with 20 years: 3% less for each year before 53.

Then the bigger question: is it enough?

The pension is usually the biggest piece, but it’s one piece. The free Washington Retirement Scorecard adds your savings and Social Security, shows your monthly income against your spending before and after Social Security, what one more year of work is worth, and 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 the LEOFF 2 pension calculated?

LEOFF 2 uses a tiered multiplier: 2% for each of your first 15 years of service, 2.5% for years 16 through 25, and 2% for each year after 25. That percentage is applied to your final average salary, the average of your highest-paid 60 consecutive months.

When can I retire from LEOFF 2 without a reduction?

At 53 with 5 years of service.

Can I retire early from LEOFF 2?

Yes, from 50 with 20 years, at 3% less for each year before 53.

Is this the same as my official DRS estimate?

No. It uses the plan’s published formula, so it’s a close estimate, not your official benefit. Your official estimate is in your DRS online account at drs.wa.gov. DRS suggests requesting one 3 to 12 months before you retire.