Colorado PERA Reduced Retirement Tables (PERA 1 to PERA 9)

Colorado specificsShort answer: retire before your table's full-benefit point and you get a smaller percent of HAS, for life. PERA 9 with 30 years: 49% at 55 vs. 75% at 64. When yours turns full is on the Rule of 80 to 90; what waiting adds is on one more year; find your table. Try a PERA 6, age 58, 20 years (reduced) example in the calculator.

When you can retire early

Joined before January 1, 2020 (PERA 1 to 8): age 50 with 25 years; age 55 with 20 years; age 60 with 5 years. C.R.S. 24-51-604(1), Table C; Your PERA Benefits p. 7 (Membership Started Before January 1, 2020)
Joined on or after January 1, 2020 (PERA 9): age 55 with 25 years; age 60 with 5 years. C.R.S. 24-51-604(2), Table C.1; Your PERA Benefits p. 7 (Membership Started on or After January 1, 2020)

How to read your table

Find your years of service down the side and your age across the top. The box is the percentage of your HAS you get as Option 1. White boxes are full benefits. Shaded boxes are reduced. Your PERA Benefits p. 7, Defined Benefit Calculation; p. 16; Understanding Your Benefit Estimate PDF p. 1

PERA 9, 30 years: at 55 the box says 49%; at 64 it says 75%. On a $6,000 HAS that's $2,940 a month at 55 against $4,500 at 64. Your PERA Benefits p. 25, PERA 9 table

Two kinds of reduction

PERA 1, 3 and 5 (members who could already retire on January 1, 2011): state law sets the cut. It's 3% a year from the retirement date to age 60 (or earlier full eligibility), 4% a year from 60 to later full eligibility, and 6% a year below age 55 (then 3% from 55). C.R.S. 24-51-605(1)(b), (1)(c), (3)

PERA 2, 4, 6, 7, 8 and 9: the percentages make the reduced benefit worth the same, over your lifetime, as a full benefit later. PERA can change them when its actuarial assumptions change. These tables took effect March 1, 2025. C.R.S. 24-51-605(4)(a)

Stop working and wait

If you leave and delay your benefit, you keep moving through the table as you age; once age and service meet in an unshaded box you reach service retirement. Understanding Your Benefit Estimate PDF p. 1

Example (our engine): PERA 6, born May 15, 1969, 20 years of service, leaving August 1, 2026 at 57. Retire right away: 35.4% of HAS. Stop and wait with the same 20 years: a full 50% from May 1, 2034, when you reach 65, the first full-benefit box for 20 years on PERA 6. It's a bigger check for life, but you give up the payments in between.

Part years of service Check with PERA

When you take a reduced (early) benefit with a part year of service, PERA's tables only show whole years. PERA's fact sheet shows a part-year example only for a full benefit (33.5 years = 83.75%).

What we use: We go part of the way between the two whole-year boxes at your age, in proportion to the part year.

Understanding Your Benefit Estimate PDF p. 1

In dollars, on a $6,000 HAS

Option 1 a month, from the PERA 9 and PERA 7 tables. Bold is a full benefit.

Stop working and wait (Colorado PERA)
Table, years	55	56	57	58	59	60	61	62	63	64	65+
PERA 9, 25	$1,710	$1,860	$2,022	$2,202	$2,400	$2,502	$2,604	$2,844	$3,114	$3,414	$3,750
PERA 9, 30	$2,940	$2,928	$2,910	$2,898	$2,880	$3,138	$3,432	$3,750	$4,104	$4,500	$4,500
PERA 7, 25	$2,670	$2,784	$2,898	$3,024	$3,150	$3,288	$3,432	$3,588	$3,750	$3,750	$3,750
PERA 7, 30	$3,498	$3,798	$4,134	$4,500	$4,500	$4,500	$4,500	$4,500	$4,500	$4,500	$4,500

— : no benefit at that age with that service. Your PERA Benefits p. 25, PERA 9 Highest Average Salary Percentages for Retirement Benefit Option 1; Your PERA Benefits p. 23, PERA 7 Highest Average Salary Percentages for Retirement Benefit Option 1

All nine HAS tables

Tap a table to open it. Percent of HAS, Option 1, by years of service and age.

PERA 1 On or before June 30, 2005

PERA 1: percent of HAS, Option 1 (effective January 1, 2011)
Years	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65+
5											10.0	10.5	11.0	11.5	12.0	12.5
6											12.0	12.6	13.2	13.8	14.4	15.0
7											14.0	14.7	15.4	16.1	16.8	17.5
8											16.0	16.8	17.6	18.4	19.2	20.0
9											18.0	18.9	19.8	20.7	21.6	22.5
10											20.0	21.0	22.0	23.0	24.0	25.0
11											22.6	23.1	24.2	25.3	26.4	27.5
12											25.2	25.8	26.4	27.6	28.8	30.0
13											28.0	28.6	29.3	29.9	31.2	32.5
14											30.8	31.5	32.2	32.9	33.6	35.0
15											33.8	34.5	35.3	36.0	36.8	37.5
16											36.8	37.6	38.4	39.2	40.0	40.0
17											40.0	40.8	41.7	42.5	42.5	42.5
18											43.2	44.1	45.0	45.0	45.0	45.0
19											46.6	47.5	47.5	47.5	47.5	47.5
20						46.3	47.0	47.8	48.5	49.3	50.0	50.0	50.0	50.0	50.0	50.0
21						49.4	50.1	50.9	51.7	52.5	52.5	52.5	52.5	52.5	52.5	52.5
22						52.5	53.4	54.2	55.0	55.0	55.0	55.0	55.0	55.0	55.0	55.0
23						55.8	56.6	57.5	57.5	57.5	57.5	57.5	57.5	57.5	57.5	57.5
24						59.1	60.0	60.0	60.0	60.0	60.0	60.0	60.0	60.0	60.0	60.0
25	43.8	47.5	51.3	55.0	58.8	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5
26	49.4	49.4	53.3	57.2	61.1	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0
27	55.4	55.4	55.4	59.4	63.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5
28	61.6	61.6	61.6	61.6	65.8	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0
29	68.2	68.2	68.2	68.2	68.2	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5
30	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0
31	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5
32	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0
33	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5
34	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0
35	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5

full benefit (2.5% a year) reduced (shaded on PERA's table) · blank: no benefit at that age. Your PERA Benefits p. 17, PERA 1 Highest Average Salary Percentages for Retirement Benefit Option 1

PERA 2 On or before June 30, 2005

PERA 2: percent of HAS, Option 1 (effective March 1, 2025)
Years	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65+
5											7.9	8.7	9.5	10.4	11.4	12.5
6											9.5	10.4	11.4	12.5	13.7	15.0
7											11.1	12.1	13.3	14.5	15.9	17.5
8											12.7	13.9	15.2	16.6	18.2	20.0
9											14.3	15.6	17.1	18.7	20.5	22.5
10											15.9	17.4	19.0	20.8	22.8	25.0
11											18.3	19.1	20.9	22.9	25.0	27.5
12											20.9	21.8	22.8	24.9	27.3	30.0
13											23.8	24.8	25.9	27.0	29.6	32.5
14											26.8	28.0	29.2	30.5	31.9	35.0
15											30.0	31.3	32.8	34.2	35.8	37.5
16											33.5	35.0	36.5	38.2	40.0	40.0
17											37.3	38.9	40.7	42.5	42.5	42.5
18											41.2	43.1	45.0	45.0	45.0	45.0
19											45.5	47.5	47.5	47.5	47.5	47.5
20						40.6	42.2	44.0	45.9	47.9	50.0	50.0	50.0	50.0	50.0	50.0
21						44.4	46.3	48.2	50.3	52.5	52.5	52.5	52.5	52.5	52.5	52.5
22						48.6	50.6	52.8	55.0	55.0	55.0	55.0	55.0	55.0	55.0	55.0
23						52.9	55.2	57.5	57.5	57.5	57.5	57.5	57.5	57.5	57.5	57.5
24						57.6	60.0	60.0	60.0	60.0	60.0	60.0	60.0	60.0	60.0	60.0
25	41.6	45.1	48.9	53.0	57.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5
26	47.0	46.9	50.8	55.1	59.8	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0
27	53.0	52.9	52.8	57.3	62.1	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5
28	59.6	59.5	59.5	59.4	64.4	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0
29	66.9	66.9	66.8	66.8	66.7	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5
30	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0
31	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5
32	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0
33	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5
34	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0
35	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5

full benefit (2.5% a year) reduced (shaded on PERA's table) · blank: no benefit at that age. Your PERA Benefits p. 18, PERA 2 Highest Average Salary Percentages for Retirement Benefit Option 1

PERA 3 July 1, 2005 - December 31, 2006

PERA 3: percent of HAS, Option 1 (effective January 1, 2011)
Years	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65+
5											10.0	10.5	11.0	11.5	12.0	12.5
6											12.0	12.6	13.2	13.8	14.4	15.0
7											14.0	14.7	15.4	16.1	16.8	17.5
8											16.0	16.8	17.6	18.4	19.2	20.0
9											18.0	18.9	19.8	20.7	21.6	22.5
10											20.0	21.0	22.0	23.0	24.0	25.0
11											22.6	23.1	24.2	25.3	26.4	27.5
12											25.2	25.8	26.4	27.6	28.8	30.0
13											28.0	28.6	29.3	29.9	31.2	32.5
14											30.8	31.5	32.2	32.9	33.6	35.0
15											33.8	34.5	35.3	36.0	36.8	37.5
16											36.8	37.6	38.4	39.2	40.0	40.0
17											40.0	40.8	41.7	42.5	42.5	42.5
18											43.2	44.1	45.0	45.0	45.0	45.0
19											46.6	47.5	47.5	47.5	47.5	47.5
20						46.3	47.0	47.8	48.5	49.3	50.0	50.0	50.0	50.0	50.0	50.0
21						49.4	50.1	50.9	51.7	52.5	52.5	52.5	52.5	52.5	52.5	52.5
22						52.5	53.4	54.2	55.0	55.0	55.0	55.0	55.0	55.0	55.0	55.0
23						55.8	56.6	57.5	57.5	57.5	57.5	57.5	57.5	57.5	57.5	57.5
24						59.1	60.0	60.0	60.0	60.0	60.0	60.0	60.0	60.0	60.0	60.0
25	43.8	47.5	51.3	55.0	58.8	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5
26	45.5	49.4	53.3	57.2	61.1	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0
27	47.3	51.3	55.4	59.4	63.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5
28	49.0	53.2	57.4	61.6	65.8	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0
29	50.8	55.1	59.5	63.8	68.2	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5
30	52.5	57.0	61.5	66.0	70.5	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0
31	58.9	58.9	63.6	68.2	72.9	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5
32	65.6	65.6	65.6	70.4	75.2	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0
33	72.6	72.6	72.6	72.6	77.6	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5
34	79.9	79.9	79.9	79.9	79.9	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0
35	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5

full benefit (2.5% a year) reduced (shaded on PERA's table) · blank: no benefit at that age. Your PERA Benefits p. 19, PERA 3 Highest Average Salary Percentages for Retirement Benefit Option 1

PERA 4 July 1, 2005 - December 31, 2006

PERA 4: percent of HAS, Option 1 (effective March 1, 2025)
Years	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65+
5											7.9	8.7	9.5	10.4	11.4	12.5
6											9.5	10.4	11.4	12.5	13.7	15.0
7											11.1	12.1	13.3	14.5	15.9	17.5
8											12.7	13.9	15.2	16.6	18.2	20.0
9											14.3	15.6	17.1	18.7	20.5	22.5
10											15.9	17.4	19.0	20.8	22.8	25.0
11											18.3	19.1	20.9	22.9	25.0	27.5
12											20.9	21.8	22.8	24.9	27.3	30.0
13											23.8	24.8	25.9	27.0	29.6	32.5
14											26.8	28.0	29.2	30.5	31.9	35.0
15											30.0	31.3	32.8	34.2	35.8	37.5
16											33.5	35.0	36.5	38.2	40.0	40.0
17											37.3	38.9	40.7	42.5	42.5	42.5
18											41.2	43.1	45.0	45.0	45.0	45.0
19											45.5	47.5	47.5	47.5	47.5	47.5
20						40.6	42.2	44.0	45.9	47.9	50.0	50.0	50.0	50.0	50.0	50.0
21						44.4	46.3	48.2	50.3	52.5	52.5	52.5	52.5	52.5	52.5	52.5
22						48.6	50.6	52.8	55.0	55.0	55.0	55.0	55.0	55.0	55.0	55.0
23						52.9	55.2	57.5	57.5	57.5	57.5	57.5	57.5	57.5	57.5	57.5
24						57.6	60.0	60.0	60.0	60.0	60.0	60.0	60.0	60.0	60.0	60.0
25	41.6	45.1	48.9	53.0	57.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5	62.5
26	43.3	46.9	50.8	55.1	59.8	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0
27	45.0	48.7	52.8	57.3	62.1	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5
28	46.6	50.5	54.7	59.4	64.4	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0
29	48.3	52.3	56.7	61.5	66.7	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5
30	50.0	54.1	58.7	63.6	69.1	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0
31	56.1	55.9	60.6	65.7	71.4	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5
32	62.8	62.7	62.6	67.9	73.7	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0
33	70.3	70.2	70.1	70.0	76.0	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5
34	78.5	78.4	78.4	78.3	78.3	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0
35	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5

full benefit (2.5% a year) reduced (shaded on PERA's table) · blank: no benefit at that age. Your PERA Benefits p. 20, PERA 4 Highest Average Salary Percentages for Retirement Benefit Option 1

PERA 5 January 1, 2007 - December 31, 2010

PERA 5: percent of HAS, Option 1 (effective January 1, 2011)
Years	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65+
5											10.0	10.5	11.0	11.5	12.0	12.5
6											12.0	12.6	13.2	13.8	14.4	15.0
7											14.0	14.7	15.4	16.1	16.8	17.5
8											16.0	16.8	17.6	18.4	19.2	20.0
9											18.0	18.9	19.8	20.7	21.6	22.5
10											20.0	21.0	22.0	23.0	24.0	25.0
11											22.0	23.1	24.2	25.3	26.4	27.5
12											24.0	25.2	26.4	27.6	28.8	30.0
13											26.0	27.3	28.6	29.9	31.2	32.5
14											28.0	29.4	30.8	32.2	33.6	35.0
15											30.0	31.5	33.0	34.5	36.0	37.5
16											32.8	33.6	35.2	36.8	38.4	40.0
17											35.7	36.6	37.4	39.1	40.8	42.5
18											38.7	39.6	40.5	41.4	43.2	45.0
19											41.8	42.8	43.7	44.7	45.6	47.5
20						42.5	43.0	43.5	44.0	44.5	45.0	46.0	47.0	48.0	49.0	50.0
21						45.4	46.2	46.7	47.3	47.8	48.3	49.4	50.4	51.5	52.5	52.5
22						48.4	49.2	50.1	50.6	51.2	51.7	52.8	53.9	55.0	55.0	55.0
23						51.5	52.3	53.2	54.1	54.6	55.2	56.4	57.5	57.5	57.5	57.5
24						54.6	55.5	56.4	57.3	58.2	58.8	60.0	60.0	60.0	60.0	60.0
25	43.8	46.6	49.4	52.2	55.0	57.8	58.8	59.7	60.6	61.6	62.5	62.5	62.5	62.5	62.5	62.5
26	45.5	49.4	52.3	55.3	58.2	61.1	62.1	63.1	64.0	65.0	65.0	65.0	65.0	65.0	65.0	65.0
27	47.3	51.3	55.4	58.4	61.4	64.5	65.5	66.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5
28	49.0	53.2	57.4	61.6	64.8	67.9	69.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0
29	50.8	55.1	59.5	63.8	68.2	71.4	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5
30	52.5	57.0	61.5	66.0	70.5	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0
31	58.9	58.9	63.6	68.2	72.9	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5
32	65.6	65.6	65.6	70.4	75.2	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0
33	72.6	72.6	72.6	72.6	77.6	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5
34	79.9	79.9	79.9	79.9	79.9	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0
35	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5

full benefit (2.5% a year) reduced (shaded on PERA's table) · blank: no benefit at that age. Your PERA Benefits p. 21, PERA 5 Highest Average Salary Percentages for Retirement Benefit Option 1

PERA 6 January 1, 2007 - December 31, 2010 (not eligible on Jan. 1, 2011); or on or before December 31, 2006 with less than five years of service credit on Jan. 1, 2011

PERA 6: percent of HAS, Option 1 (effective March 1, 2025)
Years	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65+
5											7.9	8.7	9.5	10.4	11.4	12.5
6											9.5	10.4	11.4	12.5	13.7	15.0
7											11.1	12.1	13.3	14.5	15.9	17.5
8											12.7	13.9	15.2	16.6	18.2	20.0
9											14.3	15.6	17.1	18.7	20.5	22.5
10											15.9	17.4	19.0	20.8	22.8	25.0
11											17.5	19.1	20.9	22.9	25.0	27.5
12											19.1	20.8	22.8	24.9	27.3	30.0
13											20.7	22.6	24.7	27.0	29.6	32.5
14											22.2	24.3	26.6	29.1	31.9	35.0
15											23.8	26.0	28.5	31.2	34.2	37.5
16											26.7	27.8	30.4	33.2	36.4	40.0
17											29.7	30.9	32.3	35.3	38.7	42.5
18											32.9	34.3	35.8	37.4	41.0	45.0
19											36.3	37.9	39.6	41.4	43.3	47.5
20						32.7	34.0	35.4	36.9	38.4	40.1	41.8	43.7	45.6	47.8	50.0
21						35.9	37.3	38.8	40.4	42.2	44.0	45.9	48.0	50.2	52.5	52.5
22						39.2	40.8	42.5	44.3	46.2	48.2	50.3	52.6	55.0	55.0	55.0
23						42.8	44.5	46.4	48.4	50.5	52.6	55.0	57.5	57.5	57.5	57.5
24						46.6	48.6	50.6	52.8	55.0	57.5	60.0	60.0	60.0	60.0	60.0
25	41.6	43.3	45.0	46.8	48.7	50.7	52.8	55.0	57.3	59.9	62.5	62.5	62.5	62.5	62.5	62.5
26	43.3	46.9	48.8	50.7	52.8	55.0	57.3	59.7	62.3	65.0	65.0	65.0	65.0	65.0	65.0	65.0
27	45.0	48.7	52.8	55.0	57.2	59.6	62.0	64.7	67.5	67.5	67.5	67.5	67.5	67.5	67.5	67.5
28	46.6	50.5	54.7	59.4	61.9	64.4	67.2	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0	70.0
29	48.3	52.3	56.7	61.5	66.7	69.6	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5
30	50.0	54.1	58.7	63.6	69.1	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0
31	56.1	55.9	60.6	65.7	71.4	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5
32	62.8	62.7	62.6	67.9	73.7	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0
33	70.3	70.2	70.1	70.0	76.0	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5
34	78.5	78.4	78.4	78.3	78.3	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0
35	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5

full benefit (2.5% a year) reduced (shaded on PERA's table) · blank: no benefit at that age. Your PERA Benefits p. 22, PERA 6 Highest Average Salary Percentages for Retirement Benefit Option 1

PERA 7 January 1, 2011 - December 31, 2016; or January 1, 2017 - December 31, 2019 with the most recent 10 years of service in the School or DPS Divisions

PERA 7: percent of HAS, Option 1 (effective March 1, 2025)
Years	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65+
5											7.9	8.7	9.5	10.4	11.4	12.5
6											9.5	10.4	11.4	12.5	13.7	15.0
7											11.1	12.1	13.3	14.5	15.9	17.5
8											12.7	13.9	15.2	16.6	18.2	20.0
9											14.3	15.6	17.1	18.7	20.5	22.5
10											15.9	17.4	19.0	20.8	22.8	25.0
11											17.5	19.1	20.9	22.9	25.0	27.5
12											19.1	20.8	22.8	24.9	27.3	30.0
13											20.7	22.6	24.7	27.0	29.6	32.5
14											22.2	24.3	26.6	29.1	31.9	35.0
15											23.8	26.0	28.5	31.2	34.2	37.5
16											25.4	27.8	30.4	33.2	36.4	40.0
17											27.0	29.5	32.3	35.3	38.7	42.5
18											28.6	31.2	34.2	37.4	41.0	45.0
19											31.7	33.0	36.1	39.5	43.3	47.5
20						28.6	29.7	30.9	32.2	33.5	34.9	36.4	38.0	41.5	45.5	50.0
21						31.4	32.7	34.0	35.4	36.8	38.4	40.0	41.8	43.6	47.8	52.5
22						34.4	35.8	37.2	38.7	40.4	42.1	43.9	45.8	47.9	50.1	55.0
23						37.6	39.1	40.7	42.4	44.1	46.1	48.0	50.2	52.5	54.9	57.5
24						41.0	42.6	44.4	46.2	48.2	50.2	52.5	54.8	57.4	60.0	60.0
25	32.3	35.0	38.0	41.2	42.9	44.5	46.4	48.3	50.4	52.5	54.8	57.2	59.8	62.5	62.5	62.5
26	33.6	36.4	39.5	42.8	46.5	48.4	50.4	52.5	54.7	57.1	59.5	62.2	65.0	65.0	65.0	65.0
27	34.9	37.8	41.0	44.5	48.3	52.4	54.6	56.9	59.4	61.9	64.7	67.5	67.5	67.5	67.5	67.5
28	39.4	39.2	42.5	46.1	50.1	54.4	59.1	61.6	64.2	67.1	70.0	70.0	70.0	70.0	70.0	70.0
29	44.4	44.2	44.0	47.8	51.8	56.3	61.2	66.6	69.5	72.5	72.5	72.5	72.5	72.5	72.5	72.5
30	50.0	49.8	49.6	49.4	53.6	58.3	63.3	68.9	75.0	75.0	75.0	75.0	75.0	75.0	75.0	75.0
31	56.1	55.9	55.8	55.6	55.4	60.2	65.4	71.2	77.5	77.5	77.5	77.5	77.5	77.5	77.5	77.5
32	62.8	62.7	62.6	62.4	62.3	62.1	67.5	73.5	80.0	80.0	80.0	80.0	80.0	80.0	80.0	80.0
33	70.3	70.2	70.1	70.0	69.9	69.8	69.6	75.8	82.5	82.5	82.5	82.5	82.5	82.5	82.5	82.5
34	78.5	78.4	78.4	78.3	78.3	78.2	78.1	78.1	85.0	85.0	85.0	85.0	85.0	85.0	85.0	85.0
35	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5

full benefit (2.5% a year) reduced (shaded on PERA's table) · blank: no benefit at that age. Your PERA Benefits p. 23, PERA 7 Highest Average Salary Percentages for Retirement Benefit Option 1

PERA 8 January 1, 2017 - December 31, 2019, most recent 10 years NOT in the School or DPS Divisions

PERA 8: percent of HAS, Option 1 (effective March 1, 2025)
Years	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65+
5											7.9	8.7	9.5	10.4	11.4	12.5
6											9.5	10.4	11.4	12.5	13.7	15.0
7											11.1	12.1	13.3	14.5	15.9	17.5
8											12.7	13.9	15.2	16.6	18.2	20.0
9											14.3	15.6	17.1	18.7	20.5	22.5
10											15.9	17.4	19.0	20.8	22.8	25.0
11											17.5	19.1	20.9	22.9	25.0	27.5
12											19.1	20.8	22.8	24.9	27.3	30.0
13											20.7	22.6	24.7	27.0	29.6	32.5
14											22.2	24.3	26.6	29.1	31.9	35.0
15											23.8	26.0	28.5	31.2	34.2	37.5
16											25.4	27.8	30.4	33.2	36.4	40.0
17											27.0	29.5	32.3	35.3	38.7	42.5
18											28.6	31.2	34.2	37.4	41.0	45.0
19											30.2	33.0	36.1	39.5	43.3	47.5
20						26.2	27.2	28.2	29.3	30.6	31.8	34.7	38.0	41.5	45.5	50.0
21						28.7	29.9	31.0	32.3	33.6	35.0	36.4	39.8	43.6	47.8	52.5
22						31.5	32.7	34.0	35.4	36.9	38.4	40.0	41.7	45.7	50.1	55.0
23						34.4	35.8	37.2	38.7	40.3	42.1	43.8	45.8	47.8	52.4	57.5
24						37.5	39.0	40.6	42.3	44.1	45.9	47.9	50.0	52.3	54.7	60.0
25	27.2	29.5	31.9	34.6	37.6	40.8	42.5	44.2	46.1	48.0	50.1	52.2	54.6	57.0	59.7	62.5
26	30.9	30.6	33.2	36.0	39.1	42.5	46.2	48.1	50.1	52.2	54.4	56.9	59.4	62.1	65.0	65.0
27	34.9	34.7	34.5	37.4	40.6	44.1	47.9	52.1	54.4	56.7	59.2	61.7	64.6	67.5	67.5	67.5
28	39.4	39.2	39.0	38.8	42.1	45.7	49.7	54.1	58.9	61.5	64.1	67.0	70.0	70.0	70.0	70.0
29	44.4	44.2	44.0	43.8	43.6	47.4	51.5	56.0	61.0	66.5	69.4	72.5	72.5	72.5	72.5	72.5
30	50.0	49.8	49.6	49.4	49.2	49.0	53.3	57.9	63.1	68.7	75.0	75.0	75.0	75.0	75.0	75.0
31	56.1	55.9	55.8	55.6	55.4	55.2	55.0	59.9	65.2	71.0	77.5	77.5	77.5	77.5	77.5	77.5
32	62.8	62.7	62.6	62.4	62.3	62.1	62.0	61.8	67.3	73.3	80.0	80.0	80.0	80.0	80.0	80.0
33	70.3	70.2	70.1	70.0	69.9	69.8	69.6	69.5	69.4	75.6	82.5	82.5	82.5	82.5	82.5	82.5
34	78.5	78.4	78.4	78.3	78.3	78.2	78.1	78.1	78.0	77.9	85.0	85.0	85.0	85.0	85.0	85.0
35	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5

full benefit (2.5% a year) reduced (shaded on PERA's table) · blank: no benefit at that age. Your PERA Benefits p. 24, PERA 8 Highest Average Salary Percentages for Retirement Benefit Option 1

PERA 9 On or after January 1, 2020

PERA 9: percent of HAS, Option 1 (effective March 1, 2025)
Years	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65+
5											7.9	8.7	9.5	10.4	11.4	12.5
6											9.5	10.4	11.4	12.5	13.7	15.0
7											11.1	12.1	13.3	14.5	15.9	17.5
8											12.7	13.9	15.2	16.6	18.2	20.0
9											14.3	15.6	17.1	18.7	20.5	22.5
10											15.9	17.4	19.0	20.8	22.8	25.0
11											17.5	19.1	20.9	22.9	25.0	27.5
12											19.1	20.8	22.8	24.9	27.3	30.0
13											20.7	22.6	24.7	27.0	29.6	32.5
14											22.2	24.3	26.6	29.1	31.9	35.0
15											23.8	26.0	28.5	31.2	34.2	37.5
16											25.4	27.8	30.4	33.2	36.4	40.0
17											27.0	29.5	32.3	35.3	38.7	42.5
18											28.6	31.2	34.2	37.4	41.0	45.0
19											30.2	33.0	36.1	39.5	43.3	47.5
20											31.8	34.7	38.0	41.5	45.5	50.0
21											33.4	36.4	39.8	43.6	47.8	52.5
22											35.0	38.2	41.7	45.7	50.1	55.0
23											36.5	39.9	43.6	47.8	52.4	57.5
24											38.1	41.7	45.5	49.9	54.7	60.0
25						28.5	31.0	33.7	36.7	40.0	41.7	43.4	47.4	51.9	56.9	62.5
26						29.6	32.2	35.0	38.1	41.6	45.4	47.3	49.3	54.0	59.2	65.0
27						33.7	33.4	36.4	39.6	43.2	47.1	51.4	53.7	56.1	61.5	67.5
28						38.3	38.0	37.7	41.1	44.8	48.8	53.3	58.3	61.0	63.8	70.0
29						43.4	43.1	42.8	42.6	46.4	50.6	55.3	60.4	66.1	69.3	72.5
30						49.0	48.8	48.5	48.3	48.0	52.3	57.2	62.5	68.4	75.0	75.0
31						55.2	55.0	54.8	54.6	54.3	54.1	59.1	64.6	70.7	77.5	77.5
32						62.1	62.0	61.8	61.6	61.4	61.2	61.0	66.7	73.0	80.0	80.0
33						69.8	69.6	69.5	69.4	69.2	69.1	68.9	68.7	75.3	82.5	82.5
34						78.2	78.1	78.1	78.0	77.9	77.8	77.7	77.6	77.5	85.0	85.0
35	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5	87.5

full benefit (2.5% a year) reduced (shaded on PERA's table) · blank: no benefit at that age. Your PERA Benefits p. 25, PERA 9 Highest Average Salary Percentages for Retirement Benefit Option 1

From the sources

You can take a reduced (early) benefit at 50 with 25 years, 55 with 20 years, or 60 with 5 years if you joined before 2020. If you joined in 2020 or later, the options are 55 with 25 years or 60 with 5 years.Your PERA Benefits p. 7, Reduced Service Retirement Eligibility; C.R.S. 24-51-604
PERA doesn't use a single reduction rate. Each table lists the percentage of your highest average salary you get at each age and number of years; the shaded boxes are reduced retirements.Your PERA Benefits p. 7; pp. 16-25
For example, on the PERA 9 table, retiring at 55 with 30 years pays 49.0% of your highest average salary. Waiting until 64 with the same 30 years pays 75.0%.Your PERA Benefits p. 25, PERA 9 table
On the PERA 2, 4, 6, 7, 8 and 9 tables, the reduced percentages are set so the reduced benefit is worth the same, actuarially, as a full benefit. PERA says these percentages can change with actuarial experience; the current tables took effect March 1, 2025.Your PERA Benefits p. 7; pp. 18-25 (Effective March 1, 2025)
If you could already retire on January 1, 2011 (PERA 1, 3 and 5 tables), state law sets the reduction: 3% a year before age 60, 4% a year between 60 and full eligibility, and 6% a year below 55.C.R.S. 24-51-605(1), (3)
If you leave PERA work and wait to start your benefit, you keep moving through the table as you get older. Once your age and service land in an unshaded box, you get the full service retirement amount for that service.Understanding Your Benefit Estimate PDF p. 1

Questions

How much does Colorado PERA reduce an early retirement?

There's no single rate. Your HAS table lists the percentage of HAS you get at each age and number of years. The shaded boxes are reduced retirements. Compare your box with the full benefit, 2.5% for each year of service.

When can I take a reduced benefit?

If you joined before 2020: age 50 with 25 years, age 55 with 20 years, age 60 with 5 years. If you joined in 2020 or later: age 55 with 25 years, age 60 with 5 years.

Is the reduction permanent?

Yes. The percentage you retire with is the one you keep, plus any annual increases.

What if I stop working and wait?

You keep moving through the table as you get older, and once your age and service land in a full-benefit box, you can retire with a full benefit.

See your own percentage →

Source: Your PERA Benefits: A Summary of the Colorado PERA Defined Benefit Plan, Revised April 2026, pp. 7, 16, 16-25, 17, 18, 18-25, 19, 20, 21, 22, 23, 24, 25. Also: Understanding Your Benefit Estimate; C.R.S. 24-51-604, 24-51-605. Last reviewed Nov. 12, 2026.

When you can retire early

How to read your table

Two kinds of reduction

Stop working and wait

In dollars, on a $6,000 HAS

All nine HAS tables

From the sources

Questions

How Colorado compares

Retirement age and early retirement: same topic in other states