RetirementCalcByState
🥔 ID Pre-Filled
Idaho State Pension
Retirement Calculator 2026
Calculate your estimated Public Employee Retirement System of Idaho retirement benefit using the official formula. Idaho’s 2026 rates are pre-loaded.
Formula: Years of Service × Final Average Salary × 2% = Annual Pension
2%
Benefit Multiplier
3-year average
Final Avg Salary
5 yrs
Vesting Period
+SS
Social Security
🏛️ PERSI Calculator
Idaho Pension Benefit Estimator
Enter your years of service and final average salary — Idaho’s 2% multiplier is already loaded.
$
Using 3-year average
✓ Pre-filled — Idaho 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 Public Employee Retirement System of Idaho formula. Actual benefits may vary based on your specific tier, early retirement reductions, survivor benefit elections, and other factors. Contact Public Employee Retirement System of Idaho for an official benefit estimate.
🏛️ Public Employee Retirement System of Idaho Facts
Benefit Multiplier
2% per year
Final Avg Salary
3-year average
Retirement Rule
Age 65 with 5 years, or Age 60 with 20 years, or Rule of 80
Vesting Period
5 years
Employee Contribution
7.16% of salary
Employer Contribution
11.94% of salary
Social Security
Yes — members also receive Social Security
COLA
Yes — automatic annual COLA
System Overview
Idaho PERSI is consistently ranked among the best-funded and best-managed state pension systems in the US.
What to Know About Idaho Retirement
- →Idaho PERSI is consistently rated as one of the best-funded state pension systems in the country.
- →Idaho PERSI has a unique COLA tied to fund performance — when the fund does well, retirees get higher increases.
- →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 Idaho pension calculated?
The Public Employee Retirement System of Idaho uses this formula: Years of Service × Final Average Salary × 2%. Your “final average salary” is based on your 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 Idaho?
Full retirement eligibility in Idaho: Age 65 with 5 years, or Age 60 with 20 years, or Rule of 80. You may be able to retire earlier with a reduced benefit — contact Public Employee Retirement System of Idaho directly for your specific eligibility date based on your hire date and tier.
Does Idaho pension replace Social Security?
Idaho pension members also participate in Social Security. You will receive both your state pension AND Social Security benefits in retirement — two separate income streams.