Estimate Your Pension in Retirement Online

Here is the most important retirement planning tip you’ll receive from NYSLRS: most members can create their own pension estimate in minutes using Retirement Online.

A Retirement Online estimate is based on the most up-to-date account information we have on file for you. You can enter different retirement dates to see how those choices would affect your benefit. When you’re done, you can print your pension estimate or save it for future reference.

estimate your pension

How to Estimate Your Pension

First you will need a Retirement Online account. Once you register and sign in, go to the ‘My Account Summary’ section of your Account Homepage and click the ’Estimate my Pension Benefit’ button.

You can enter the date (or age) that you plan to retire. You can use your current annual earnings or add in expected pay increases. You can also include any service credit you plan to purchase. If you add the birthdate for a beneficiary, you’ll see the estimated monthly payment amounts under the pension payment options that provide a benefit for a survivor.

Remember, the pension amounts you’ll see are just an estimate; it is not a guarantee of what you’ll receive when you retire.

Most Tier 2 through 6 members (more than 90 percent of all NYSLRS members) can use the Retirement Online pension calculator. However, some members may not be able to use the Retirement Online calculator because of their circumstances, for example, if they have recently transferred a membership to NYSLRS, or if they are a Tier 6 member with between five and ten years of service. 

The system will notify you if your estimate cannot be completed using the Retirement Online pension calculator. Please contact us to request a pension estimate if you receive this notification. If you are in Tier 2 through 6, you can use the “Quick Calculator“ on the NYSLRS website. The Quick Calculator generates estimates based on information you provide.

9 thoughts on “Estimate Your Pension in Retirement Online

  1. Grace

    I had retired in December of 2020 . All of my information ( vacation and unused sick leave accruals ) was forwarded to NYS Office of State Comptroller
    I have yet to receive the recalculation of my pension.I have made several calls to the retirement system over this period and in addition to that I had also sent a letter to the recalculation department and have yet to receive a response or any information pertaining to my recalculation or a timeframe as to when this will be completed.
    In addition I also had a conversation with a representative from the state comptroller’s office they indicated to me that there is no timeframe as to when this will be done. This has an overall impact when filing for Medicare as well , the back pay also increases your premiums (you a surcharged for the year) .

    Truly unacceptable,

    1. NYSLRS Post author

      Virtually all initial pension payments are made timely by the end of the month following retirement. These payments are closer than ever to a retiree’s final calculation. NYSLRS often receives adjustments to earnings for retirees well after the date of retirement and is working hard to recalculate pension amounts and provide retroactive payments as quickly as possible. We apologize for the length of time this has taken for some retirees. Thank you for your patience.

    2. Larry Braun

      I retired the end of 2019 and received my recalculated monthly adjustment in 2022. I did not expect any changes and received retroactive to my retirement date in 2019. Patience is what I recommend.

  2. Gail A. Chandler

    Would like to calculate my pension at this time. Woud also like to ask if I have put in 25 years as of today.

    1. NYSLRS Post author

      You can estimate your pension and check your estimated service credit in Retirement Online. To sign up for a Retirement Online account, go to the Sign In page and click the “Sign Up” link under the “Customer Sign In” button.

      After you create your account and sign in to your Account Homepage, you can look up your estimated service credit under the “My Account Summary” section. To estimate your pension, click the green “Estimate my Pension Benefit” button.

      If still have questions or if you are having trouble estimating your pension benefit, please contact the NYSLRS Call Center at 866-805-0990, press 2 and follow the prompts.

  3. jamesjhennesseyjralbany

    Where is the Pension increase bill that would have gave us a
    “FULL” Cola instead of a half cola? What happened to the bill that would have increased the $18,000 base amount to $23,000 base amount for colas?

    1. NYSLRS

      The decision on whether to adopt benefit enhancements or pass new legislation comes from the State Legislature and the Governor. The retirement system (NYSLRS) administers legislation and programs that are signed into law. You may want to contact your state legislative representatives.

  4. Thomas Tantuccio

    If I retired in January 2023 how long should I expect to wait for my final adjustment? I just recently sold all my vacation time and received a check for it which I’m sure was not included in my FAS because obviously you didn’t know that info beforehand. Please respond.

    1. NYSLRS

      When you retire, your pension payment is based on the salary and service information we have on file for you at retirement. In some cases, slight adjustments are made to the initial amount after we receive and process final payroll information from your employer. These recalculations are processed in date order and are generally minimal compared to the overall benefit amount.

      Once we have all the information we need and we finalize your benefit amount, if your payment increases, you will receive a retroactive payment for the amount you are owed back to your date of retirement.


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