Check with STRS OhioEstimate only, not an official benefit amount. Confirm with STRS Ohio (888-227-7877) before you decide.
Your estimated monthly benefit
Fill in the form and we'll show your Single Life Annuity, whether it's reduced, the date you reach an unreduced benefit (32 years, or age 65 with 5), and what working longer adds.
Check with STRS OhioEstimate only, not an official benefit amount. Confirm with STRS Ohio (888-227-7877) before you decide.
Your road to an unreduced benefit
Retire as planned, or work longer?
Your benefit at every age
Compare two retirement dates
Plans of payment and the PLOP
Common questions
How is an STRS Ohio pension calculated?
In the Defined Benefit Plan, your yearly benefit is 2.2% of your final average salary (your 5 highest years) for each year of service credit. With 34 years that's 74.8%: on a $80,000 final average salary, $59,840 a year. If you retire under reduced eligibility, STRS Ohio's benefit calculation table gives a lower percent.
When can I retire from STRS Ohio?
For retirements through 5/1/2035: unreduced at any age with 32 years, or at 65 with 5; reduced at any age with 27 years, or at 60 with 5. The requirements rise for retirements from June 2035 and June 2037.
Does STRS Ohio give a cost-of-living increase?
Only if the board grants one. A COLA can start on the fifth anniversary of your retirement, if the board decides one is payable. Recent increases have been one-time adjustments.
I'm in the Defined Contribution or Combined Plan. Can I use this?
The Defined Contribution Plan has no pension to estimate, and the Combined Plan's pension is small. Pick your plan in step 1 and the calculator shows what applies to you, including what an account balance might buy as an annuity.
Is this the official STRS Ohio calculator?
No. This is an unofficial estimate built from STRS Ohio's 2026|2027 member brochures. It isn't affiliated with STRS Ohio. Your Online Personal Account has STRS Ohio's own calculator, and STRS Ohio decides your benefit.
Compare Ohio with other states
- States where teachers don't get Social Security: Ohio teachers don't pay into Social Security for their STRS Ohio work.
- Teacher DROP plans by state
- Teacher pension COLAs by state: Paid only if the board decides one is payable, from your fifth retirement anniversary. Recent ones were one-time raises of 1% to 3%.
- State taxes on teacher pensions, by state: Ohio residents owe Ohio income tax on STRS benefits. They're exempt from local taxes but may face school district income tax.
- Teacher pension multipliers by state: 2.2% × years × your 5-year final average salary. Early-retirement amounts come from STRS Ohio's benefit tables.
- Teacher retirement age by state: Through May 2035: 32 years at any age, or 65 with 5 years. The years needed rise to 33, then 34, after that.
Plain-English guides
How your pension works
Defined Benefit, DC or Combined?STRS Ohio's three plans side by side, with STRS Ohio's own examples.→Benefit calculation tableThe formula and STRS Ohio's full tables, by age and years, for 2025, 2035 and 2037.→Retiring earlyWhen you can retire with a reduced benefit, and how much less it pays.→Buying service creditOut-of-state, military, restored and leave credit: limits, cost and deadline.→STRS Ohio glossaryPlain-English definitions of PLOP, FAS, reversion and other STRS Ohio terms.→
Planning your exit
Leaving teaching: withdraw or keep your account?What a withdrawal pays, what it gives up, and taking a benefit later.→Taxes on your STRS Ohio pensionFederal, Ohio and school district tax, the PLOP, and survivor benefits.→Social Security and STRS OhioWhy STRS Ohio work has no Social Security, and what to check.→
After you retire
Working after retirementThe two-month wait, the one-day break, and the reemployed retiree benefit.→The STRS Ohio COLAWhen a cost-of-living increase can start, and the one-time increases since 2017.→Retiree health careWho qualifies, the years of service needed, and 2026 premiums.→Death and survivor benefitsThe death benefit, survivor tables, and what a family receives, with STRS Ohio's examples.→
More calculators
Some states have a DROP program. STRS Ohio's brochures don't describe one. The closest feature is the Partial Lump-Sum Option Plan (see Plans of payment).
Source: STRS Ohio, Understanding Your STRS Ohio Benefits: Plan Summary, 2026|2027 (form 20-101, Aug. 2026), pp. 4-5, 14-15, 16-17, 16-19, 22-27. Also: STRS Ohio Service Retirement and Plans of Payment (Defined Benefit Plan), 2026|2027 (form 15-126, 6/26), pp. 1, 2-3, 14-15, 20-21, 30-35. Also: STRS Ohio Eligibility Requirements, Saved by the user Nov. 12, 2026. Also: STRS Ohio Benefit Calculation Table (June 1, 2025-May 1, 2035), Saved by the user Nov. 12, 2026. Also: STRS Ohio Survivor Benefits (Defined Benefit Plan), 2026|2027 (form 16-100, 6/26), pp. 14-15. Also: STRS Ohio Service Retirement and Plans of Payment (Defined Contribution Plan), 2026|2027 (form 20-642, 6/26), pp. 14-15. Also: STRS Ohio Service Retirement and Plans of Payment (Combined Plan), 2026|2027 (form 20-643, 6/26), pp. 22-23. Also: STRS Ohio Retirement Plan Options (new-member selection brochure), Form 20-609, 6/26, p. 10. Background: Ohio Revised Code Chapter 3307. Last reviewed .