Full retirement projection

Combines pension, DROP, and account growth into a single picture of retirement-day income and tax context.

Your situation

Sets the pension multiplier (3% Special Risk / 1.6% Regular) and whether overtime counts toward AFC.

Affects your AFC averaging period (5 vs 8 years) and vesting (6 vs 8 years). Does not change the 3% pension multiplier.

Class comparison: 25 years of service at DROP entry meets the Special Risk service path (25 years). Under Regular Class, the service path is 33 years — at 25, that's early retirement with a 5% reduction per full year under age 65.
Date of birth

Age: 45

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