Loading calculator…
Estimate a traditional DB pension using the standard formula: benefit = final avg salary × service years × multiplier.
Benefit = FAS × service × multiplier. E.g. FAS $85k × 25 yr × 2% = $42,500/yr. Real DB plans use "high-3" or "high-5" salary averaging and may add early-retirement reductions.
No — these are projections that assume your inputs hold. Real markets and life are variable.
The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.
At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.
Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.
Immediately. The single biggest variable in retirement success is years of compounding.
Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated October 2026