Vermont · Free tool
Vermont VSTRS Retirement Calculator
The Vermont State Teachers' Retirement System (VSTRS) calculates a pension as 1.67% multiplied by your average final compensation multiplied by your years of service. Enter your numbers below for an estimate.
Enter your numbers. The percentage is pre-filled with the 1.67% VSTRS multiplier; adjust it for your tier or service level.
VSTRS uses a 1.67% multiplier on your average final compensation (the average of your highest three years). Early retirement before your normal retirement age reduces the benefit. Confirm with Vermont VSTRS.
Your estimated Vermont VSTRS pension
Updates as you type.
Educational estimate only, not financial advice. Uses a simplified Vermont VSTRS formula and your inputs; your real benefit varies by tier, service, age, and salary rules.
How the Vermont VSTRS formula works
VSTRS uses a multiplier of roughly 1.67% on your average final compensation, the average of your highest three years, for most Group C members, with higher rates available for longer service. Normal retirement is age 65 or the Rule of 90.
This calculator uses a single percentage and a simplified formula, so treat the result as an estimate and confirm your figure with VSTRS. Vermont 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 Vermont VSTRS pension calculated?
The VSTRS benefit multiplies a 1.67% multiplier by your average final compensation by your years of service. For example, 30 years at a $55,000 average final compensation is 1.67% × $55,000 × 30 = $27,555 per year before any early-retirement reduction.
What multiplier does Vermont VSTRS use?
It is 1.67% per year of service. Adjust the percentage on the calculator if your tier or service level uses a different rate.
Do Vermont teachers get Social Security?
Yes. Vermont teachers pay into Social Security, so most receive a VSTRS benefit plus a Social Security benefit. Adding any 403(b) or 457(b) savings completes the picture.