Focused Tool

Retirement Age Comparison Tool

Compare retirement ages side by side and see what changes in monthly pension, salary, service credit, Social Security timing, and the economic value of working longer.

This page is built for Washington LEOFF members who want to compare retirement age tradeoffs before moving into the full retirement calculator or reviewing a plan in the retirement dashboard.

Best For

Retirement timing decisions

Use this when the real question is whether a few more years of work materially change pension strength, bridge years, and timing risk.

Use Before

The full planner

Compare a few clean ages first, then move into the full planner to see whether the better-looking age still works against expenses, assets, and risk.

Next Step

Validate the winner

Once an age stands out here, run that age through the planner or look at pension scale in Lifetime Pension Value.

Open Full Planner See Pension Value

Scenario Inputs

Birth Year Compare Ages LEOFF Start Year Final Average Salary Pension COLA (%) Benefit Enhancement Lifetime Value Age Social Security Claim Age

What This Tool Shows

Monthly pension change by retirement age
Service credit and pension multiplier effect by retirement age
Additional salary earned from working longer
Social Security timing and shorter bridge periods
Estimated lifetime pension value through a target age

Why it matters

This focuses on the financial power of working longer: more salary years, more service credit, a larger pension multiplier, and less time to bridge before Social Security starts.

Tiered multiplier math used here

Base pension = FAS x service years x 2.0%

If `Tiered Multiplier` is selected, the tool adds: 0.5% x FAS for each service year above 15, up to 25 years total.

That means the bonus applies only to service years 16 through 25.

Go deeper

Learn more in LEOFF 2 Tiered Multiplier vs Lump Sum, try the Lifetime Pension Value Calculator, Early Retirement Bridge Years, and How to Think About a Secure Retirement as a LEOFF 2 Member.

Age Comparison

Enter inputs and run the comparison to see the biggest tradeoff.

Enter inputs and run the comparison.

Swipe sideways to view the full comparison table on smaller screens.

Retire Age	Service Credit	Final Average Salary	Monthly Pension	Annual Pension	% of FAS	Bridge Years	Extra Salary Earned	Lifetime Pension Value
No comparison has been run yet.

What this LEOFF retirement age comparison tool measures

This tool compares retirement ages side by side using LEOFF-specific pension inputs: birth year, LEOFF start year, final average salary, benefit enhancement choice, and Social Security claim age. It highlights service credit, annual pension, monthly pension, percentage of FAS, bridge years, and lifetime pension value through your selected target age.

Why comparing retirement ages matters for LEOFF members

For many Washington LEOFF members, the real decision is not just whether retirement is possible. It is whether waiting a few more years materially changes pension value, percentage of FAS, and the number of years before Social Security begins. This page is designed to make those tradeoffs visible quickly.

When to use this tool versus the full calculator

Use this comparison page when you want a clean side-by-side pension timing view. Use the full retirement calculator when you want to bring in expenses, assets, withdrawals, and risk. Then use the retirement dashboard to review the broader plan by retirement age.