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This calculator is provided for educational purposes only and does not serve, either directly or indirectly, as legal, financial, or tax advice. You should always consult with your financial planner, attorney and/or tax advisor as needed. 

Results and analyses are based exclusively on information provided by you and no assumptions are made as to your particular situation. Projection is hypothetical in nature and not predications or guarantees. All investments carry a degree of risk and past performance is not a guarantee of future results. Asset allocation and diversification do not ensure a profit and do not protect against loss in declining markets. You should discuss rolling money from one account to another with your financial advisor/planner considering any potential fees and/or limitation of investment options.


Terms of Use Disclaimer

  1. I understand that the use of this calculator is for planning purposes only.
  2. I agree that the results obtained herein are a product of my own input and do not constitute guarantees of any kind from the Washington State Department of Retirement Systems or any other person or entity.



Before you can use this program, you must review disclaimer and select the check box.

Your expected retirement age is the age at which you will no longer be working and will begin taking distributions from your retirement account. If you are currently retired, enter the age at which you expect to start receiving distributions from your retirement account.

Enter the number of years you expect to live during retirement.

Estimate the average annual adjustment to your salary.

Option A: 5% all ages
Option B: 5% up to age 35; 6% ages 35 through 44; or 7.5% age 45 and older
Option C: 6% up to age 35; 7.5% ages 35 through 44; or 8.5% age 45 and older
Option D: 7% all ages
Option E: 10% all ages
Option F: 15% all ages

Enter your current Plan 3 defined contribution investment account balance, which can be obtained from this website after logging into your account or by calling the Plan 3 Investor Services line at 800 547-6657.

Enter the percentage of your pre-retirement income that you want during retirement. Many financial experts project that retirees may need between 75% and 89% of their salary just before retirement to maintain their lifestyle.

Enter the estimated annual rate of return you expect your investments to make before and after retirement.

You are eligible, but not required, to receive Social Security benefits as early as age 62. If you choose to include Social Security benefits in this calculation, the amount will be estimated based on the salary and age information you enter in this form.

Click the link to use the Defined Benefit Estimator on the DRS website to estimate your monthly benefit amount from the defined benefit side of Plan 3. Or enter your own estimate based on the Plan 3 Defined Benefit formula (1% x SCY x AFC) here.

Enter the current balance, amount you save to the plans, and expected investment return for all of your voluntary tax-deferred accounts. Do not include the Plan 3 figures in these estimates.

Enter the current balance, amount you save to the plans, and expected investment return for all of your voluntary tax-free accounts.

Enter the current balance, amount you save to the plans, and expected investment return for all of your voluntary taxable accounts.

Enter the monthly amount you will make from rental properties, part-time or full-time jobs, fixed income investments, etc.

Please provide a valid Birth Date (MM/DD/YYYY).
Please provide a valid Enrollment Date (MM/DD/YYYY).
Please provide a valid Date of Hire (MM/DD/YYYY).
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