Calculadora de Pensão Online Grátis
Defined benefit pension income by years of service, salary and benefit multiplier
Sobre Esta Calculadora
A defined benefit (DB) pension promises a fixed monthly income in retirement, calculated using three variables: your final (or average) salary, your years of service, and a benefit multiplier set by the plan.
The standard formula: Annual pension = Final salary × Years of service × Benefit multiplier.
Example: a teacher with a $75,000 final salary, 30 years of service, and a 2% multiplier receives $75,000 × 30 × 0.02 = $45,000 per year ($3,750/month). That's 60% income replacement — the pension industry's gold standard target.
Few private-sector workers have DB pensions today (less than 15% of private employees vs. 86% of government workers), but for those who do, calculating the trade-off between early retirement and maximum benefit is critical. Retiring at 58 instead of 62 might sacrifice 8 years of accrual, potentially reducing monthly income by $800–$1,200 permanently.
The "breakeven age" analysis this calculator provides is essential: if retiring at 58 gives $2,800/month and waiting to 62 gives $3,600/month, you need to collect the higher pension for 7.5 years just to recover the 4 years of foregone payments — meaning you'd need to live past 69.5 for the delay to pay off.
Veja a proporção salarial que a pensão trará usando as métricas corretas de benefício definido.
Dicas
- Most defined benefit plans use 1.5-2.5% multiplier per year of service.