Maryland · Free tool
Maryland Teachers' Pension Calculator
The Maryland State Retirement and Pension System (MSRPS) calculates the Reformed Teachers' Pension as 1.5% multiplied by your average final salary multiplied by your years of service. Enter your numbers below for an estimate.
Enter your numbers. The percentage is pre-filled with the 1.5% Reformed Pension multiplier; use 1.8% for service earned before 2011.
The Reformed Pension (membership on or after July 1, 2011) uses a 1.5% multiplier on your highest 3 consecutive years. Members before 2011 earn 1.8% on service after 1998. Normal service retirement is the Rule of 90 (age plus service) or age 65 with 10 years. Confirm with Maryland MSRPS.
Your estimated Maryland teachers' pension
Updates as you type.
Educational estimate only, not financial advice. Uses a simplified Maryland MSRPS formula and your inputs; your real benefit varies by tier, service, age, and salary rules.
How the Maryland Teachers' Pension formula works
For the Reformed Pension, which covers members who joined on or after July 1, 2011, MSRPS uses a 1.5% multiplier on your average final salary, the average of your three highest consecutive years. Members who joined earlier, under the Alternate Contributory Pension Selection, earn a richer 1.8% multiplier on service after 1998. Normal service retirement is reached under the Rule of 90, when your age plus years of service total 90, or at age 65 with at least 10 years.
If your career spans both periods, your pension blends the two multipliers across your service years. This calculator uses a single percentage, so run it once at 1.5% and once at 1.8% to bracket your benefit. Maryland teachers also pay into Social Security. Use the full Teacher Retirement Calculator to combine your pension with your 403(b)/457(b) and Social Security, or read what the WEP and GPO repeal means for teachers.
Questions
How is a Maryland teachers' pension calculated?
The Reformed Teachers' Pension multiplies a 1.5% multiplier by your average final salary by your years of service. For example, 30 years at a $65,000 average final salary is 1.5% × $65,000 × 30 = $29,250 per year.
What multiplier does the Maryland Teachers' Pension use?
It is 1.5% per year of service for the Reformed Pension (membership on or after July 1, 2011). Members from before 2011 under the older Alternate Contributory plan earn 1.8% per year on service after 1998.
Do Maryland teachers get Social Security?
Yes. Maryland teachers pay into Social Security, so most receive an MSRPS pension plus a Social Security benefit. Adding any 403(b) or 457(b) savings completes the picture.