Home/FDNY/One More Year

What is one more year worth?
FDNY pension, 20 to 35 years

Drag the slider. Your monthly pension moves as you go. Free, no sign-up.

Your pension, year by year
These are example numbers. Put in yours.
$0/mo
20 years
20 yrs253035
See my full pension in the calculator Your answers carry over. It adds the VSF, your dates and the decisions you make at retirement.
Estimate before taxes and before any survivor option. Same formulas as the FDNY calculator. Doesn't include the VSF, your union annuity, or excess contributions. Nothing you type on this page is saved.

Why the years past 20 matter

Tier 2 (started before July 1, 2009): half your salary base at 20 years, plus 1/60 of the total you earn after your 20th anniversary. The slider uses your salary base for those later years, which can run a little high.

Tier 3 (started July 1, 2009 or later): a flat 50% at 20 years since Chapter 692 of 2025. Staying longer doesn't raise the percentage. What it buys is the yearly increase: none at 20, building month by month after that, and full once you reach 23 years.

Both tiers, 25 years or more: since May 26, 2026, 5% of your rank's top pay is added to the salary your pension is figured on, plus 1% for each full year past 25, up to 15%.

Your exact figure comes from the New York City Fire Pension Fund. This page shows how the rules move it so you can pick a date with your eyes open.