RetirementCalcByState
⛵ CT Pre-Filled
Connecticut State Pension
Retirement Calculator 2026
Calculate your estimated Connecticut State Employees’ Retirement System retirement benefit using the official formula. Connecticut’s 2026 rates are pre-loaded.
Formula: Years of Service × Final Average Salary × 2% = Annual Pension
2%
Benefit Multiplier
Top 3 yr avg
Final Avg Salary
10 yrs
Vesting Period
+SS
Social Security
🏛️ SERS Calculator
Connecticut Pension Benefit Estimator
Enter your years of service and final average salary — Connecticut’s 2% multiplier is already loaded.
$
Using highest 3-year average
✓ Pre-filled — Connecticut 2026 rate
Annual Pension
—
Per year
Monthly Pension
—
Per month
Replacement Rate
—
% of final salary
Calculation Breakdown
Years of Service—
Final Average Salary—
Benefit Multiplier2%
Annual Pension Benefit—
Income Replacement0%
⚠️ This is an estimate based on the standard Connecticut State Employees’ Retirement System formula. Actual benefits may vary based on your specific tier, early retirement reductions, survivor benefit elections, and other factors. Contact Connecticut State Employees’ Retirement System for an official benefit estimate.
🏛️ Connecticut State Employees’ Retirement System Facts
Benefit Multiplier
2% per year
Final Avg Salary
Highest 3-year average
Retirement Rule
Age 65 with 10 years, or Age 62 with 25 years, or Age 60 with 30 years
Vesting Period
10 years
Employee Contribution
5% of salary
Employer Contribution
37.68% of salary
Social Security
Yes — members also receive Social Security
COLA
Yes — automatic annual COLA
System Overview
Connecticut SERS is significantly underfunded — the state has among the highest pension liabilities relative to its budget in the US.
What to Know About Connecticut Retirement
- →Connecticut’s pension system has one of the highest unfunded liabilities per capita of any US state.
- →Connecticut requires a 10-year vesting period — longer than the 5-year standard in most states.
- →The standard pension formula is: Years of Service × Final Average Salary × 2%. For a 30-year employee earning $65,000/year, this means $39,000/year in annual pension benefits.
Frequently Asked Questions
How is the Connecticut pension calculated?
The Connecticut State Employees’ Retirement System uses this formula: Years of Service × Final Average Salary × 2%. Your “final average salary” is based on your highest 3-year average. For example, with 25 years of service and a $60,000 final average salary: 25 × $60,000 × 0.02 = $30,000 per year.
When can I retire with a full pension in Connecticut?
Full retirement eligibility in Connecticut: Age 65 with 10 years, or Age 62 with 25 years, or Age 60 with 30 years. You may be able to retire earlier with a reduced benefit — contact Connecticut State Employees’ Retirement System directly for your specific eligibility date based on your hire date and tier.
Does Connecticut pension replace Social Security?
Connecticut pension members also participate in Social Security. You will receive both your state pension AND Social Security benefits in retirement — two separate income streams.