For FRS Special Risk Class members

The retirement calculator that actually gets FRS right.

Built by firefighters. Purpose-built for FRS Special Risk — the membership class for firefighters, law enforcement, corrections officers, and EMS. Every formula reflects current Florida statutes, including the 2023 DROP changes and the 2026 SB 7028 minimum COLA.

Calculators

Pension benefit

See your projected monthly and annual pension based on years of service, AFC, and enrollment era.

AFC calculator

Average your highest-paid years to compute the Average Final Compensation that drives your pension.

DROP modeling

Project your DROP lump sum and see how COLA and interest rate affect the accumulation.

457(b) growth

Project the growth of your 457(b), Roth IRA, or Traditional IRA balance over time.

Full retirement projection

Combine pension, DROP, and account growth into a single retirement-day picture.

Learn

FRS glossary

AFC, multiplier, vesting, COLA — the terms behind the formulas.

DROP explained

How the Deferred Retirement Option Program works for Special Risk members.

Account types

457(b), Roth IRA, Traditional IRA — and the public safety officer exemption.