RetirementCalcByState
🍁 VT Pre-Filled
Vermont State Pension
Retirement Calculator 2026
Calculate your estimated Vermont State Employees’ Retirement System retirement benefit using the official formula. Vermont’s 2026 rates are pre-loaded.
Formula: Years of Service × Final Average Salary × 1.67% = Annual Pension
1.67%
Benefit Multiplier
Top 3 yr avg
Final Avg Salary
5 yrs
Vesting Period
+SS
Social Security
🏛️ VSERS Calculator
Vermont Pension Benefit Estimator
Enter your years of service and final average salary — Vermont’s 1.67% multiplier is already loaded.
$
Using highest 3-year average
✓ Pre-filled — Vermont 2026 rate
Annual Pension
—
Per year
Monthly Pension
—
Per month
Replacement Rate
—
% of final salary
Calculation Breakdown
Years of Service—
Final Average Salary—
Benefit Multiplier1.67%
Annual Pension Benefit—
Income Replacement0%
⚠️ This is an estimate based on the standard Vermont State Employees’ Retirement System formula. Actual benefits may vary based on your specific tier, early retirement reductions, survivor benefit elections, and other factors. Contact Vermont State Employees’ Retirement System for an official benefit estimate.
🏛️ Vermont State Employees’ Retirement System Facts
Benefit Multiplier
1.67% per year
Final Avg Salary
Highest 3-year average
Retirement Rule
Age 65 with 5 years, or Age 62 with 30 years
Vesting Period
5 years
Employee Contribution
5.9% of salary
Employer Contribution
13.33% of salary
Social Security
Yes — members also receive Social Security
COLA
Yes — automatic annual COLA
System Overview
Vermont VSERS is modestly funded and provides automatic COLAs tied to inflation.
What to Know About Vermont Retirement
- →Vermont VSERS provides automatic cost-of-living adjustments — helping retirees maintain purchasing power over time.
- →Vermont is a small state with a relatively small pension system — but it has maintained reasonable funding levels.
- →The standard pension formula is: Years of Service × Final Average Salary × 1.67%. For a 30-year employee earning $65,000/year, this means $32,565/year in annual pension benefits.
Frequently Asked Questions
How is the Vermont pension calculated?
The Vermont State Employees’ Retirement System uses this formula: Years of Service × Final Average Salary × 1.67%. 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 × 0.0167 = $25,050 per year.
When can I retire with a full pension in Vermont?
Full retirement eligibility in Vermont: Age 65 with 5 years, or Age 62 with 30 years. You may be able to retire earlier with a reduced benefit — contact Vermont State Employees’ Retirement System directly for your specific eligibility date based on your hire date and tier.
Does Vermont pension replace Social Security?
Vermont pension members also participate in Social Security. You will receive both your state pension AND Social Security benefits in retirement — two separate income streams.