RetirementCalcByState
🧀 WI Pre-Filled
Wisconsin State Pension
Retirement Calculator 2026
Calculate your estimated Wisconsin Retirement System retirement benefit using the official formula. Wisconsin’s 2026 rates are pre-loaded.
Formula: Years of Service × Final Average Salary × 1.6% = Annual Pension
1.6%
Benefit Multiplier
Top 3 yr avg
Final Avg Salary
5 yrs
Vesting Period
+SS
Social Security
🏛️ WRS Calculator
Wisconsin Pension Benefit Estimator
Enter your years of service and final average salary — Wisconsin’s 1.6% multiplier is already loaded.
$
Using highest 3-year average
✓ Pre-filled — Wisconsin 2026 rate
Annual Pension
—
Per year
Monthly Pension
—
Per month
Replacement Rate
—
% of final salary
Calculation Breakdown
Years of Service—
Final Average Salary—
Benefit Multiplier1.6%
Annual Pension Benefit—
Income Replacement0%
⚠️ This is an estimate based on the standard Wisconsin Retirement System formula. Actual benefits may vary based on your specific tier, early retirement reductions, survivor benefit elections, and other factors. Contact Wisconsin Retirement System for an official benefit estimate.
🏛️ Wisconsin Retirement System Facts
Benefit Multiplier
1.6% per year
Final Avg Salary
Highest 3-year average
Retirement Rule
Age 65 with 5 years, or Age 57 with 30 years, or Rule of 85 for protective occupations
Vesting Period
5 years
Employee Contribution
6.86% of salary
Employer Contribution
6.86% of salary
Social Security
Yes — members also receive Social Security
COLA
Yes — automatic annual COLA
System Overview
Wisconsin WRS is one of only a handful of fully funded state pension systems in the US — often cited as a national model.
What to Know About Wisconsin Retirement
- →Wisconsin WRS is one of the only fully funded state pension systems in the US — a national model for fiscal management.
- →Wisconsin employer and employee contribution rates are equal — a unique feature of the WRS design.
- →The standard pension formula is: Years of Service × Final Average Salary × 1.6%. For a 30-year employee earning $65,000/year, this means $31,200/year in annual pension benefits.
Frequently Asked Questions
How is the Wisconsin pension calculated?
The Wisconsin Retirement System uses this formula: Years of Service × Final Average Salary × 1.6%. 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 × 0.016 = $24,000 per year.
When can I retire with a full pension in Wisconsin?
Full retirement eligibility in Wisconsin: Age 65 with 5 years, or Age 57 with 30 years, or Rule of 85 for protective occupations. You may be able to retire earlier with a reduced benefit — contact Wisconsin Retirement System directly for your specific eligibility date based on your hire date and tier.
Does Wisconsin pension replace Social Security?
Wisconsin pension members also participate in Social Security. You will receive both your state pension AND Social Security benefits in retirement — two separate income streams.