Pennsylvania · Free tool
PA PSERS Pension Calculator
Pennsylvania's Public School Employees' Retirement System (PSERS) calculates your pension as a class multiplier multiplied by your final average salary multiplied by your years of credited service. Your multiplier depends on your membership class. Enter your numbers below for an estimate.
Enter your numbers. The percentage is pre-filled with the Pennsylvania PSERS factor that fits most members; adjust it for your class or tier.
PSERS multiplier depends on class: T-C and T-E = 2.0%, T-D and T-F = 2.5%, hybrid T-G/T-H use a smaller DB factor plus a DC account. Final average salary is your 3 highest school years (T-C through T-F) or 5 highest (T-G/T-H). Confirm your class with PSERS.
Your estimated Pennsylvania PSERS pension
Updates as you type.
Educational estimate only, not financial advice. Uses a simplified Pennsylvania PSERS formula and your inputs; your real benefit varies by class, service, age, and salary rules.
How the Pennsylvania PSERS formula works
PSERS multipliers vary by membership class. Class T-C and Class T-E use 2.0%. Class T-D and Class T-F use 2.5% (Class T-F requires higher member contributions). The calculator above defaults to 2.0% for Class T-E, a common class for members hired between 2011 and 2019.
Members hired on or after July 2019 fall under the hybrid Class T-G or T-H, which pair a smaller defined-benefit multiplier with a separate defined-contribution account this calculator does not include. Final average salary is the average of your three highest school-year salaries (Classes T-C through T-F) or five highest (Classes T-G and T-H). Change the percentage to match your class. Most Pennsylvania teachers do not pay into Social Security through PSERS. 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 PA PSERS pension calculated?
PSERS multiplies your class multiplier by your final average salary by your years of credited service. For example, a Class T-E member (2.0%) with 30 years and a $70,000 final average salary gets 2.0% × $70,000 × 30 = $42,000 per year.
What is my PSERS multiplier?
It depends on your membership class. Class T-C and T-E use 2.0%; Class T-D and T-F use 2.5% (T-F with higher contributions). Members hired on or after July 2019 are in the hybrid Class T-G or T-H, which combine a smaller defined-benefit multiplier with a defined-contribution account.
Do Pennsylvania teachers get Social Security?
Most Pennsylvania public school employees do pay into Social Security in addition to PSERS, unlike teachers in some states. If you have an old account or earned Social Security elsewhere, the WEP and GPO reductions were repealed in January 2025.