Pension Calculator

Pension Calculator is a clean, fast tool for estimating a defined-benefit (DB) pension — completely offline. Enter your years of service, accrual rate and final average salary, and see your estimated annual and monthly pension the moment you type.

HOW IT WORKS
The app uses the standard final-average-salary pension formula:

annual pension = years of service x accrual rate x final average salary

For example, 30 years of service at a 2% accrual rate on an $80,000 final average salary gives 30 x 2% x $80,000 = $48,000 a year, or $4,000 a month. You can also apply an optional early-retirement reduction and see an approximate lump-sum present value.

WHAT YOU CAN DO
• Enter years of service, accrual rate and final average salary
• See your estimated annual pension and monthly pension instantly
• Read your replacement ratio — the share of salary your pension replaces
• Apply an optional early-retirement reduction
• See an approximate lump-sum present value of the pension
• Browse typical accrual multipliers (1.0% to 2.5%) and replacement ratios by years of service

LEARN AS YOU GO
A built-in Learn tab explains, in plain language, what a defined-benefit pension is, how the accrual rate and replacement ratio work, and why this is only an estimate.

SIMPLIFIED EDUCATIONAL ESTIMATE
This app is a simplified educational estimate of a defined-benefit pension. It does not model cost-of-living adjustments (COLAs), joint-and-survivor options, vesting schedules, Social Security integration, taxes, mortality, or any specific plan's exact rules. It is NOT financial advice. Always confirm your figures with your plan administrator or a qualified financial professional.

PRIVACY
The app collects no personal data and works fully offline — your figures never leave your device. Ads are served by Google AdMob, which may use an advertising identifier as described in Google's policies.

Light and dark themes, a tiny download, and no clutter. Download Pension Calculator and plan your retirement income with clarity.