Utility Pension & Benefits Suite
Know What Your Utility Benefits Are Worth
Six calculators built for utility employees, union and management. Estimate your Final Pay or Cash Balance pension, model early retirement eligibility, project your RMSA, and optimize your 401(k) match.
I've worked with utility employees navigating pension elections, RMSA planning, and the Final Pay vs. Cash Balance decision. These calculators reflect the questions I get most often.
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Your employer has two pension formulas. Which one you're in depends primarily on your hire date and whether you made an election in 2013. Answer two questions below and we'll point you to the right calculator.
1. Are you union or management?
This is an estimate, not a number to plan around alone.
This calculator is an educational tool to help you think through scenarios. The results are illustrative estimates based on the inputs you provided and general assumptions. They are not financial advice, and the numbers shown should not be relied on as exact to your situation.
Real outcomes depend on factors a calculator can't fully model: your complete tax picture, plan-specific rules, market performance, IRS rate changes, life events, and how all the pieces of your financial life interact. Past performance does not guarantee future results.
The Final Pay pension multiplier is not publicly disclosed by your employer. This calculator defaults to an estimated 1.6% per year of service. Verify your actual rate at your benefits portal or by calling the pension center. RMSA contribution amounts and crediting rates are estimated from publicly available sources; actual plan terms may differ.
Before making any decision based on these numbers, let's talk. I'll look at your full picture, pressure-test the assumptions, and help you understand what these numbers actually mean for you, at no cost.
WANT HELP MAKING SENSE OF THESE NUMBERS?
The calculator gives you the numbers. A plan tells you what to actually do with them.
I work with utility employees on pension elections, RMSA planning, the 401(k) spillover election, and retirement timing, all the decisions that interact in ways a single calculator can't fully capture.