RetirementCalcByState
⛵ MO Pre-Filled
Missouri State Pension
Retirement Calculator 2026
Calculate your estimated Missouri State Employees’ Retirement System retirement benefit using the official formula. Missouri’s 2026 rates are pre-loaded.
Formula: Years of Service × Final Average Salary × 1.7% = Annual Pension
1.7%
Benefit Multiplier
Top 3 yr avg
Final Avg Salary
5 yrs
Vesting Period
+SS
Social Security
🏛️ MOSERS Calculator
Missouri Pension Benefit Estimator
Enter your years of service and final average salary — Missouri’s 1.7% multiplier is already loaded.
$
Using highest 3-year average
✓ Pre-filled — Missouri 2026 rate
Annual Pension
—
Per year
Monthly Pension
—
Per month
Replacement Rate
—
% of final salary
Calculation Breakdown
Years of Service—
Final Average Salary—
Benefit Multiplier1.7%
Annual Pension Benefit—
Income Replacement0%
⚠️ This is an estimate based on the standard Missouri State Employees’ Retirement System formula. Actual benefits may vary based on your specific tier, early retirement reductions, survivor benefit elections, and other factors. Contact Missouri State Employees’ Retirement System for an official benefit estimate.
🏛️ Missouri State Employees’ Retirement System Facts
Benefit Multiplier
1.7% per year
Final Avg Salary
Highest 3-year average
Retirement Rule
Age 65 with 5 years, or Age 55 with 30 years, or Rule of 80
Vesting Period
5 years
Employee Contribution
0% of salary
Employer Contribution
26.71% of salary
Social Security
Yes — members also receive Social Security
COLA
Yes — automatic annual COLA
System Overview
Missouri MOSERS is employer-funded only — state employees contribute nothing from their own salary to the pension.
What to Know About Missouri Retirement
- →Missouri MOSERS is fully employer-funded — state employees pay 0% of their salary into the pension.
- →Missouri created a new tier in 2018 for employees hired after January 2018 with modified benefit formulas.
- →The standard pension formula is: Years of Service × Final Average Salary × 1.7%. For a 30-year employee earning $65,000/year, this means $33,150/year in annual pension benefits.
Frequently Asked Questions
How is the Missouri pension calculated?
The Missouri State Employees’ Retirement System uses this formula: Years of Service × Final Average Salary × 1.7%. 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 × 0.017 = $25,500 per year.
When can I retire with a full pension in Missouri?
Full retirement eligibility in Missouri: Age 65 with 5 years, or Age 55 with 30 years, or Rule of 80. You may be able to retire earlier with a reduced benefit — contact Missouri State Employees’ Retirement System directly for your specific eligibility date based on your hire date and tier.
Does Missouri pension replace Social Security?
Missouri pension members also participate in Social Security. You will receive both your state pension AND Social Security benefits in retirement — two separate income streams.