RetirementCalcByState
🦅 NH Pre-Filled
New Hampshire State Pension
Retirement Calculator 2026
Calculate your estimated New Hampshire Retirement System retirement benefit using the official formula. New Hampshire’s 2026 rates are pre-loaded.
Formula: Years of Service × Final Average Salary × 1.667% = Annual Pension
1.667%
Benefit Multiplier
Top 3 yr avg
Final Avg Salary
10 yrs
Vesting Period
+SS
Social Security
🏛️ NHRS Calculator
New Hampshire Pension Benefit Estimator
Enter your years of service and final average salary — New Hampshire’s 1.667% multiplier is already loaded.
$
Using highest 3-year average
✓ Pre-filled — New Hampshire 2026 rate
Annual Pension
—
Per year
Monthly Pension
—
Per month
Replacement Rate
—
% of final salary
Calculation Breakdown
Years of Service—
Final Average Salary—
Benefit Multiplier1.667%
Annual Pension Benefit—
Income Replacement0%
⚠️ This is an estimate based on the standard New Hampshire Retirement System formula. Actual benefits may vary based on your specific tier, early retirement reductions, survivor benefit elections, and other factors. Contact New Hampshire Retirement System for an official benefit estimate.
🏛️ New Hampshire Retirement System Facts
Benefit Multiplier
1.667% per year
Final Avg Salary
Highest 3-year average
Retirement Rule
Age 65 with 10 years, or Age 60 with 30 years
Vesting Period
10 years
Employee Contribution
7% of salary
Employer Contribution
14.71% of salary
Social Security
Yes — members also receive Social Security
COLA
Ad hoc — granted periodically
System Overview
New Hampshire NHRS requires a 10-year vesting period — longer than the 5-year standard in most states.
What to Know About New Hampshire Retirement
- →New Hampshire requires 10 years of service to vest — employees who leave before 10 years receive no pension.
- →New Hampshire NHRS is moderately funded and has gradually increased contribution rates to close its funding gap.
- →The standard pension formula is: Years of Service × Final Average Salary × 1.667%. For a 30-year employee earning $65,000/year, this means $32,507/year in annual pension benefits.
Frequently Asked Questions
How is the New Hampshire pension calculated?
The New Hampshire Retirement System uses this formula: Years of Service × Final Average Salary × 1.667%. 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 × 0.01667 = $25,005 per year.
When can I retire with a full pension in New Hampshire?
Full retirement eligibility in New Hampshire: Age 65 with 10 years, or Age 60 with 30 years. You may be able to retire earlier with a reduced benefit — contact New Hampshire Retirement System directly for your specific eligibility date based on your hire date and tier.
Does New Hampshire pension replace Social Security?
New Hampshire pension members also participate in Social Security. You will receive both your state pension AND Social Security benefits in retirement — two separate income streams.