North Dakota · Free tool
North Dakota TFFR Retirement Calculator
The North Dakota Teachers' Fund for Retirement (TFFR) calculates a pension as 2.0% multiplied by your final average salary multiplied by your years of service. Enter your numbers below for an estimate.
Enter your numbers. The percentage is pre-filled with the 2.0% TFFR multiplier; adjust it for your tier or service level.
TFFR uses a 2.0% multiplier on your final average salary (the average of your highest three to five years). Early retirement before your normal retirement age reduces the benefit. Confirm with North Dakota TFFR.
Your estimated North Dakota TFFR pension
Updates as you type.
Educational estimate only, not financial advice. Uses a simplified North Dakota TFFR formula and your inputs; your real benefit varies by tier, service, age, and salary rules.
How the North Dakota TFFR formula works
TFFR uses a 2% multiplier on your final average salary. Tier Two members, hired on or after July 1, 2008, use the average of their highest five years and qualify for unreduced retirement under the Rule of 90 or at age 65.
This calculator uses a single percentage and a simplified formula, so treat the result as an estimate and confirm your figure with TFFR. North Dakota 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 North Dakota TFFR pension calculated?
The TFFR benefit multiplies a 2.0% multiplier by your final average salary by your years of service. For example, 30 years at a $50,000 final average salary is 2.0% × $50,000 × 30 = $30,000 per year before any early-retirement reduction.
What multiplier does North Dakota TFFR use?
It is 2.0% per year of service. Adjust the percentage on the calculator if your tier or service level uses a different rate.
Do North Dakota teachers get Social Security?
Yes. North Dakota teachers pay into Social Security, so most receive a TFFR benefit plus a Social Security benefit. Adding any 403(b) or 457(b) savings completes the picture.