RetirementCalcByState
🎷 LA Pre-Filled
Louisiana State Pension
Retirement Calculator 2026
Calculate your estimated Louisiana State Employees’ Retirement System retirement benefit using the official formula. Louisiana’s 2026 rates are pre-loaded.
Formula: Years of Service × Final Average Salary × 2.5% = Annual Pension
2.5%
Benefit Multiplier
Top 3 yr avg
Final Avg Salary
5 yrs
Vesting Period
No SS
Social Security
🏛️ LASERS Calculator
Louisiana Pension Benefit Estimator
Enter your years of service and final average salary — Louisiana’s 2.5% multiplier is already loaded.
$
Using highest 3-year average
✓ Pre-filled — Louisiana 2026 rate
Annual Pension
—
Per year
Monthly Pension
—
Per month
Replacement Rate
—
% of final salary
Calculation Breakdown
Years of Service—
Final Average Salary—
Benefit Multiplier2.5%
Annual Pension Benefit—
Income Replacement0%
⚠️ This is an estimate based on the standard Louisiana State Employees’ Retirement System formula. Actual benefits may vary based on your specific tier, early retirement reductions, survivor benefit elections, and other factors. Contact Louisiana State Employees’ Retirement System for an official benefit estimate.
🏛️ Louisiana State Employees’ Retirement System Facts
Benefit Multiplier
2.5% per year
Final Avg Salary
Highest 3-year average
Retirement Rule
Age 62 with 5 years, or Age 55 with 10 years, or 20 years any age (hazardous duty)
Vesting Period
5 years
Employee Contribution
8% of salary
Employer Contribution
38.99% of salary
Social Security
No — pension replaces Social Security
COLA
Ad hoc — granted periodically
System Overview
Louisiana LASERS members do not participate in Social Security. The system uses a generous 2.5% multiplier.
What to Know About Louisiana Retirement
- →Louisiana LASERS members do not participate in Social Security — the pension is their primary retirement income.
- →Louisiana uses a 2.5% multiplier — one of the more generous rates in the South.
- →The standard pension formula is: Years of Service × Final Average Salary × 2.5%. For a 30-year employee earning $65,000/year, this means $48,750/year in annual pension benefits.
Frequently Asked Questions
How is the Louisiana pension calculated?
The Louisiana State Employees’ Retirement System uses this formula: Years of Service × Final Average Salary × 2.5%. 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 × 0.025 = $37,500 per year.
When can I retire with a full pension in Louisiana?
Full retirement eligibility in Louisiana: Age 62 with 5 years, or Age 55 with 10 years, or 20 years any age (hazardous duty). You may be able to retire earlier with a reduced benefit — contact Louisiana State Employees’ Retirement System directly for your specific eligibility date based on your hire date and tier.
Does Louisiana pension replace Social Security?
Louisiana pension members do NOT participate in Social Security. Your Louisiana State Employees’ Retirement System pension is your primary retirement income — you will not receive Social Security benefits based on this employment.