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STRS Ohio Pension Calculator
STRS Ohio multiplies your years of service by 2.2% by your final average salary (the average of your five highest years). Members with long careers can qualify for an enhanced benefit. Enter your numbers below for an estimate.
Enter your numbers. The multiplier is pre-filled with the STRS Ohio standard; adjust it if your tier differs.
STRS Ohio eligibility ages and the enhanced-benefit threshold have changed over the years. Confirm your service requirements with STRS Ohio.
Your estimated STRS Ohio pension
Updates as you type.
Educational estimate only, not financial advice. Uses the standard STRS Ohio formula and your inputs; your real benefit varies by tier, hire date, and age.
How the STRS Ohio formula works
STRS Ohio uses a 2.2% multiplier: years of service times 2.2% times your final average salary, which is the average of your five highest years of earnings. Members with many years of service may qualify for an enhanced calculation that raises the multiplier on later years. Eligibility ages and service requirements have changed over time, so your exact rules depend on when you were hired.
This calculator gives you the pension piece. Most Ohio educators also have a 403(b) or 457(b) and Social Security, and after the 2025 repeal of WEP and GPO most teachers now keep their full Social Security too. Use the full Teacher Retirement Calculator to see all three sources together, or read what the WEP and GPO repeal means for teachers.
Questions
How is a STRS Ohio pension calculated?
STRS Ohio multiplies your years of service by 2.2% by your final average salary (average of your 5 highest years). For example, 32 years on a $75,000 final average salary is about $52,800 a year.
Will my pension reduce my Social Security?
No longer for most teachers. The Windfall Elimination Provision and Government Pension Offset were repealed by the Social Security Fairness Act in January 2025, so most educators now receive their full Social Security benefit alongside their STRS Ohio pension.
Should I get a personal STRS Ohio analysis?
A free review with a licensed educator-retirement specialist can confirm your tier, model different retirement ages, and coordinate your pension with your 403(b)/457(b) and any old accounts from prior jobs. Talk to a specialist.