Pension calculators · Rules checked November 2026

WSPRS 2 Pension Calculator

Estimate your monthly WSPRS 2 pension in under a minute. WSPRS covers commissioned Washington State Patrol officers. Enter the age you’d like to retire, your years of service and your pay.

How the WSPRS 2 formula works

Your yearly WSPRS 2 pension is 2% of your average final salary for each year of service, up to 75%. Average final salary is the average of your highest-paid 60 months.

Example: $105,000 pay, 25 years of service, retiring at 55: $105,000 ÷ 12 × 50% = $4,375 a month.

When you can retire from WSPRS 2

Retire at any age with 25 years of service, or at 55.
There’s no early-retirement reduction. The pension is capped at 75% of average final salary, which you reach at 37.5 years.
Retirement is mandatory at 65.

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 WSPRS 2 pension calculated?

Your yearly WSPRS 2 pension is 2% of your average final salary for each year of service, up to 75%. Average final salary is the average of your highest-paid 60 months.

When can I retire from WSPRS 2 without a reduction?

At any age with 25 years of service, or at 55. WSPRS 2 has no early-retirement reduction.

Can I retire early from WSPRS 2?

With 25 years you can retire at any age with no reduction.

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.