RetirementCalcByState
🌻 ND Pre-Filled
North Dakota State Pension
Retirement Calculator 2026
Calculate your estimated North Dakota Public Employees Retirement System retirement benefit using the official formula. North Dakota’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
3 yrs
Vesting Period
+SS
Social Security
🏛️ NDPERS Calculator
North Dakota Pension Benefit Estimator
Enter your years of service and final average salary — North Dakota’s 2% multiplier is already loaded.
$
Using highest 3-year average
✓ Pre-filled — North Dakota 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 North Dakota Public Employees Retirement System formula. Actual benefits may vary based on your specific tier, early retirement reductions, survivor benefit elections, and other factors. Contact North Dakota Public Employees Retirement System for an official benefit estimate.
🏛️ North Dakota Public Employees Retirement System Facts
Benefit Multiplier
2% per year
Final Avg Salary
Highest 3-year average
Retirement Rule
Age 65 with 3 years, or Age 60 with 10 years
Vesting Period
3 years
Employee Contribution
7% of salary
Employer Contribution
12.26% of salary
Social Security
Yes — members also receive Social Security
COLA
Yes — automatic annual COLA
System Overview
North Dakota NDPERS has a short 3-year vesting period and relatively modest but stable benefit formula.
What to Know About North Dakota Retirement
- →North Dakota NDPERS vests in just 3 years — one of the shortest vesting periods among state pensions.
- →North Dakota NDPERS is well-funded relative to its obligations — state oil revenues have helped support pension funding.
- →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 North Dakota pension calculated?
The North Dakota Public 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 North Dakota?
Full retirement eligibility in North Dakota: Age 65 with 3 years, or Age 60 with 10 years. You may be able to retire earlier with a reduced benefit — contact North Dakota Public Employees Retirement System directly for your specific eligibility date based on your hire date and tier.
Does North Dakota pension replace Social Security?
North Dakota pension members also participate in Social Security. You will receive both your state pension AND Social Security benefits in retirement — two separate income streams.