The formula
The yearly benefit is 2.2% of your five-year final average salary for every year of service credit. Retiring under early (reduced) eligibility cuts that amount, as shown in STRS Ohio's benefit calculation tables. Plan Summary, pp. 16-17, Salary-related benefit; Plans of Payment, pp. 2-3, Benefit calculation; ORC 3307.58(D)(3) The formula is for the Defined Benefit Plan; the Combined Plan uses a smaller percent (see which plan).
Step 1: find the percentage where your age and years meet. Step 2: multiply your final average salary by it. Step 3: divide by 12 for your gross monthly Single Life Annuity. Plan Summary, pp. 22-23; Plans of Payment, pp. 30-31
The tables use whole years of service. Partial years are included in the final benefit; figures read from the tables are exact only with enough service for an unreduced benefit or at 65 or older. Plan Summary, pp. 22-23, Retirement Estimate Worksheet note; Plans of Payment, pp. 30-31
The red cells are what retiring early costs; moving one row down is what one more year adds. To read your own cell without the table, use the STRS Ohio calculator.
Retiring June 1, 2025-May 1, 2035
Unreduced: Any age and 32 years; or age 65 and 5 years. Reduced: Any age and 27 years; or age 60 and 5 years. Red cells are reduced. Hatched cells are blank in STRS Ohio's table. Benefit Calculation Table web page; Plan Summary, pp. 24-25; Plans of Payment, pp. 32-33
| Years | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5 | 7.0 | 7.7 | 8.4 | 9.1 | 10.0 | 11.0 | ||||||||||||||||
| 6 | 8.4 | 9.2 | 10.0 | 11.0 | 12.0 | 13.2 | ||||||||||||||||
| 7 | 9.9 | 10.8 | 11.7 | 12.8 | 14.0 | 15.4 | ||||||||||||||||
| 8 | 11.3 | 12.3 | 13.4 | 14.6 | 16.0 | 17.6 | ||||||||||||||||
| 9 | 12.7 | 13.9 | 15.0 | 16.4 | 18.0 | 19.8 | ||||||||||||||||
| 10 | 14.1 | 15.4 | 16.7 | 18.3 | 20.0 | 22.0 | ||||||||||||||||
| 11 | 15.5 | 16.9 | 18.4 | 20.1 | 22.0 | 24.2 | ||||||||||||||||
| 12 | 16.9 | 18.5 | 20.1 | 21.9 | 24.0 | 26.4 | ||||||||||||||||
| 13 | 18.3 | 20.0 | 21.7 | 23.7 | 26.0 | 28.6 | ||||||||||||||||
| 14 | 19.7 | 21.6 | 23.4 | 25.6 | 28.0 | 30.8 | ||||||||||||||||
| 15 | 21.1 | 23.1 | 25.1 | 27.4 | 30.0 | 33.0 | ||||||||||||||||
| 16 | 22.5 | 24.6 | 26.8 | 29.2 | 32.0 | 35.2 | ||||||||||||||||
| 17 | 23.9 | 26.2 | 28.4 | 31.0 | 34.0 | 37.4 | ||||||||||||||||
| 18 | 25.3 | 27.7 | 30.1 | 32.9 | 36.0 | 39.6 | ||||||||||||||||
| 19 | 26.8 | 29.3 | 31.8 | 34.7 | 38.0 | 41.8 | ||||||||||||||||
| 20 | 28.2 | 30.8 | 33.4 | 36.5 | 40.0 | 44.0 | ||||||||||||||||
| 21 | 29.6 | 32.3 | 35.1 | 38.3 | 42.0 | 46.2 | ||||||||||||||||
| 22 | 31.0 | 33.9 | 36.8 | 40.2 | 44.0 | 48.4 | ||||||||||||||||
| 23 | 32.4 | 35.4 | 38.5 | 42.0 | 46.0 | 50.6 | ||||||||||||||||
| 24 | 33.8 | 37.0 | 40.1 | 43.8 | 48.0 | 52.8 | ||||||||||||||||
| 25 | 35.2 | 38.5 | 41.8 | 45.7 | 50.1 | 55.0 | ||||||||||||||||
| 26 | 36.6 | 40.0 | 43.5 | 47.5 | 52.1 | 57.2 | ||||||||||||||||
| 27 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 38.0 | 41.6 | 45.1 | 49.3 | 54.1 | 59.4 |
| 28 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 43.1 | 46.8 | 51.1 | 56.1 | 61.6 |
| 29 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 53.0 | 58.1 | 63.8 |
| 30 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 54.8 | 60.1 | 66.0 | |
| 31 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 62.1 | 68.2 | ||
| 32 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | 70.4 | |||
| 33 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | ||||
| 34 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | |||||
| 35 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | ||||||
| 36 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | |||||||
| 37 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | ||||||||
| 38 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | |||||||||
| 39 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | ||||||||||
| 40 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | |||||||||||
| 41 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | ||||||||||||
| 42 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | |||||||||||||
| 43 | 94.6 | 94.6 | 94.6 | 94.6 | 94.6 | 94.6 | 94.6 | 94.6 | ||||||||||||||
| 44 | 96.8 | 96.8 | 96.8 | 96.8 | 96.8 | 96.8 | 96.8 | |||||||||||||||
| 45 | 99.0 | 99.0 | 99.0 | 99.0 | 99.0 | 99.0 | ||||||||||||||||
| 46 | 100.0 | 100.0 | 100.0 | 100.0 | 100.0 |
Retiring June 1, 2035-May 1, 2037
Unreduced: Any age and 33 years; or age 65 and 5 years. Reduced: Any age and 28 years; or age 60 and 5 years. Red cells are reduced. Hatched cells are blank in STRS Ohio's table. Plan Summary, pp. 26-27; Plans of Payment, pp. 32-35
| Years | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5 | 7.0 | 7.7 | 8.4 | 9.1 | 10.0 | 11.0 | ||||||||
| 6 | 8.4 | 9.2 | 10.0 | 11.0 | 12.0 | 13.2 | ||||||||
| 7 | 9.9 | 10.8 | 11.7 | 12.8 | 14.0 | 15.4 | ||||||||
| 8 | 11.3 | 12.3 | 13.4 | 14.6 | 16.0 | 17.6 | ||||||||
| 9 | 12.7 | 13.9 | 15.0 | 16.4 | 18.0 | 19.8 | ||||||||
| 10 | 14.1 | 15.4 | 16.7 | 18.3 | 20.0 | 22.0 | ||||||||
| 11 | 15.5 | 16.9 | 18.4 | 20.1 | 22.0 | 24.2 | ||||||||
| 12 | 16.9 | 18.5 | 20.1 | 21.9 | 24.0 | 26.4 | ||||||||
| 13 | 18.3 | 20.0 | 21.7 | 23.7 | 26.0 | 28.6 | ||||||||
| 14 | 19.7 | 21.6 | 23.4 | 25.6 | 28.0 | 30.8 | ||||||||
| 15 | 21.1 | 23.1 | 25.1 | 27.4 | 30.0 | 33.0 | ||||||||
| 16 | 22.5 | 24.6 | 26.8 | 29.2 | 32.0 | 35.2 | ||||||||
| 17 | 23.9 | 26.2 | 28.4 | 31.0 | 34.0 | 37.4 | ||||||||
| 18 | 25.3 | 27.7 | 30.1 | 32.9 | 36.0 | 39.6 | ||||||||
| 19 | 26.8 | 29.3 | 31.8 | 34.7 | 38.0 | 41.8 | ||||||||
| 20 | 28.2 | 30.8 | 33.4 | 36.5 | 40.0 | 44.0 | ||||||||
| 21 | 29.6 | 32.3 | 35.1 | 38.3 | 42.0 | 46.2 | ||||||||
| 22 | 31.0 | 33.9 | 36.8 | 40.2 | 44.0 | 48.4 | ||||||||
| 23 | 32.4 | 35.4 | 38.5 | 42.0 | 46.0 | 50.6 | ||||||||
| 24 | 33.8 | 37.0 | 40.1 | 43.8 | 48.0 | 52.8 | ||||||||
| 25 | 35.2 | 38.5 | 41.8 | 45.7 | 50.1 | 55.0 | ||||||||
| 26 | 36.6 | 40.0 | 43.5 | 47.5 | 52.1 | 57.2 | ||||||||
| 27 | 38.0 | 41.6 | 45.1 | 49.3 | 54.1 | 59.4 | ||||||||
| 28 | 39.4 | 39.4 | 39.4 | 39.4 | 39.4 | 39.4 | 39.4 | 39.4 | 39.4 | 43.1 | 46.8 | 51.1 | 56.1 | 61.6 |
| 29 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 48.5 | 53.0 | 58.1 | 63.8 |
| 30 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 54.8 | 60.1 | 66.0 |
| 31 | 56.6 | 56.6 | 56.6 | 56.6 | 56.6 | 56.6 | 56.6 | 56.6 | 56.6 | 56.6 | 56.6 | 56.6 | 62.1 | 68.2 |
| 32 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 70.4 |
| 33 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 | 72.6 |
| 34 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 |
| 35 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 |
| 36 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 |
| 37 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 |
| 38 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | |
| 39 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | ||
| 40 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | |||
| 41 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | ||||
| 42 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | |||||
| 43 | 94.6 | 94.6 | 94.6 | 94.6 | 94.6 | 94.6 | 94.6 | 94.6 | ||||||
| 44 | 96.8 | 96.8 | 96.8 | 96.8 | 96.8 | 96.8 | 96.8 | |||||||
| 45 | 99.0 | 99.0 | 99.0 | 99.0 | 99.0 | 99.0 | ||||||||
| 46 | 100.0 | 100.0 | 100.0 | 100.0 | 100.0 |
For retirements from June 2035, STRS Ohio's printed tables start at age 52.
Below 52 we use the age-52 figure for your years of service. In the 2025-2035 table the figure is the same from 44 to 52 for these rows, so it should hold, but it isn't printed.
Plan Summary, pp. 26-27; Benefit Calculation Table web pageRetiring On or after June 1, 2037
Unreduced: Any age and 34 years; or age 65 and 5 years. Reduced: Any age and 29 years; or age 60 and 5 years. Red cells are reduced. Hatched cells are blank in STRS Ohio's table. Plan Summary, pp. 26-27; Plans of Payment, pp. 34-35
| Years | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5 | 7.0 | 7.7 | 8.4 | 9.1 | 10.0 | 11.0 | ||||||||
| 6 | 8.4 | 9.2 | 10.0 | 11.0 | 12.0 | 13.2 | ||||||||
| 7 | 9.9 | 10.8 | 11.7 | 12.8 | 14.0 | 15.4 | ||||||||
| 8 | 11.3 | 12.3 | 13.4 | 14.6 | 16.0 | 17.6 | ||||||||
| 9 | 12.7 | 13.9 | 15.0 | 16.4 | 18.0 | 19.8 | ||||||||
| 10 | 14.1 | 15.4 | 16.7 | 18.3 | 20.0 | 22.0 | ||||||||
| 11 | 15.5 | 16.9 | 18.4 | 20.1 | 22.0 | 24.2 | ||||||||
| 12 | 16.9 | 18.5 | 20.1 | 21.9 | 24.0 | 26.4 | ||||||||
| 13 | 18.3 | 20.0 | 21.7 | 23.7 | 26.0 | 28.6 | ||||||||
| 14 | 19.7 | 21.6 | 23.4 | 25.6 | 28.0 | 30.8 | ||||||||
| 15 | 21.1 | 23.1 | 25.1 | 27.4 | 30.0 | 33.0 | ||||||||
| 16 | 22.5 | 24.6 | 26.8 | 29.2 | 32.0 | 35.2 | ||||||||
| 17 | 23.9 | 26.2 | 28.4 | 31.0 | 34.0 | 37.4 | ||||||||
| 18 | 25.3 | 27.7 | 30.1 | 32.9 | 36.0 | 39.6 | ||||||||
| 19 | 26.8 | 29.3 | 31.8 | 34.7 | 38.0 | 41.8 | ||||||||
| 20 | 28.2 | 30.8 | 33.4 | 36.5 | 40.0 | 44.0 | ||||||||
| 21 | 29.6 | 32.3 | 35.1 | 38.3 | 42.0 | 46.2 | ||||||||
| 22 | 31.0 | 33.9 | 36.8 | 40.2 | 44.0 | 48.4 | ||||||||
| 23 | 32.4 | 35.4 | 38.5 | 42.0 | 46.0 | 50.6 | ||||||||
| 24 | 33.8 | 37.0 | 40.1 | 43.8 | 48.0 | 52.8 | ||||||||
| 25 | 35.2 | 38.5 | 41.8 | 45.7 | 50.1 | 55.0 | ||||||||
| 26 | 36.6 | 40.0 | 43.5 | 47.5 | 52.1 | 57.2 | ||||||||
| 27 | 38.0 | 41.6 | 45.1 | 49.3 | 54.1 | 59.4 | ||||||||
| 28 | 39.4 | 43.1 | 46.8 | 51.1 | 56.1 | 61.6 | ||||||||
| 29 | 40.8 | 40.8 | 40.8 | 40.8 | 40.8 | 40.8 | 40.8 | 40.8 | 40.8 | 44.7 | 48.5 | 53.0 | 58.1 | 63.8 |
| 30 | 46.2 | 46.2 | 46.2 | 46.2 | 46.2 | 46.2 | 46.2 | 46.2 | 46.2 | 46.2 | 50.2 | 54.8 | 60.1 | 66.0 |
| 31 | 51.8 | 51.8 | 51.8 | 51.8 | 51.8 | 51.8 | 51.8 | 51.8 | 51.8 | 51.8 | 51.8 | 56.6 | 62.1 | 68.2 |
| 32 | 58.4 | 58.4 | 58.4 | 58.4 | 58.4 | 58.4 | 58.4 | 58.4 | 58.4 | 58.4 | 58.4 | 58.4 | 64.1 | 70.4 |
| 33 | 66.1 | 66.1 | 66.1 | 66.1 | 66.1 | 66.1 | 66.1 | 66.1 | 66.1 | 66.1 | 66.1 | 66.1 | 66.1 | 72.6 |
| 34 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 | 74.8 |
| 35 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 | 77.0 |
| 36 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 | 79.2 |
| 37 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 | 81.4 |
| 38 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | 83.6 | |
| 39 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | 85.8 | ||
| 40 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | 88.0 | |||
| 41 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | 90.2 | ||||
| 42 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | 92.4 | |||||
| 43 | 94.6 | 94.6 | 94.6 | 94.6 | 94.6 | 94.6 | 94.6 | 94.6 | ||||||
| 44 | 96.8 | 96.8 | 96.8 | 96.8 | 96.8 | 96.8 | 96.8 | |||||||
| 45 | 99.0 | 99.0 | 99.0 | 99.0 | 99.0 | 99.0 | ||||||||
| 46 | 100.0 | 100.0 | 100.0 | 100.0 | 100.0 |
For retirements from June 2035, STRS Ohio's printed tables start at age 52.
Below 52 we use the age-52 figure for your years of service. In the 2025-2035 table the figure is the same from 44 to 52 for these rows, so it should hold, but it isn't printed.
Plan Summary, pp. 26-27; Benefit Calculation Table web pageSTRS Ohio's tables show reduced benefits only for whole years of service and whole ages. Your real benefit counts the part year too.
For a reduced benefit we read the table at your whole years and whole age, and apply that cut to 2.2% of your exact service. That's usually a little low.
Plan Summary, pp. 22-23; Plans of Payment, pp. 30-31What the brochures say
- Your yearly benefit (Single Life Annuity) is 2.2% of your final average salary for each year of service credit. For example, 34 years gives 74.8%; with an $80,000 final average salary that's $59,840 a year.Plan Summary, pp. 16-17; Plan Options, p. 6
- The benefit can't be more than 100% of your final average salary.Plan Summary, pp. 22-23
- To use STRS Ohio's worksheet: find the percent where your age and years meet in the table, multiply it by your final average salary, and divide by 12 for your monthly Single Life Annuity before taxes.Plan Summary, pp. 22-23, Retirement Estimate Worksheet
- Check with STRS OhioIf you were eligible to retire on July 1, 2015, you get the greater of today's formula or the benefit you'd have had on July 1, 2015 under the old formula.ORC 3307.58(F); AV 2025, p. 67The 2026|2027 brochures don't describe this guarantee; it comes from the statute and the valuation (needsValidation july2015-guarantee-details).
- Final average salary is the average of your five highest years of Ohio public earnings. With fewer than five years, it's your total pay divided by your years of service.Plans of Payment, pp. 2-3; ORC 3307.501(C)
- If the percentage raise in your two highest years is more than your biggest raise in the three years before them, the extra may not count. A raise given to everyone at your employer doesn't trigger this, and you can appeal.Plans of Payment, pp. 2-3, Final average salary (FAS) limitations
Questions
How do I read the STRS Ohio benefit calculation table?
Find your years of service down the side and your age at retirement across the top. Where they meet is the percent of your final average salary you'd get each year. For example, at 59 with 30 years it's 54.8%.
What do the shaded cells mean?
They're reduced benefits: below the full 2.2% per year, because you'd retire before qualifying for an unreduced benefit. On this page they're shown in red.
Is my benefit capped?
Yes. It can't be more than 100% of your final average salary.
Source: STRS Ohio, Understanding Your STRS Ohio Benefits: Plan Summary, 2026|2027 (form 20-101, Aug. 2026), pp. 16-17, 22-23, 22-27, 24-25, 26-27. Also: STRS Ohio Service Retirement and Plans of Payment (Defined Benefit Plan), 2026|2027 (form 15-126, 6/26), pp. 2-3, 30-35, 30-31, 32-33, 32-35, 34-35. 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. 12-13. Also: STRS Ohio Retirement Plan Options (new-member selection brochure), Form 20-609, 6/26, p. 6. Background: Ohio Revised Code Chapter 3307; STRS Ohio Actuarial Valuation as of June 30, 2025 (Cheiron). Last reviewed .