Personal Information

Enter the average of your highest 60 months of railroad earnings

Earnings History (Optional)

Add your annual earnings to improve calculation accuracy. The calculator will use your highest 35 years for Tier I.

YearEarningsAction

Benefit Estimates

How the Calculator Works:

  • Tier I Benefit: Similar to Social Security, using your average indexed monthly earnings (AIME) from your highest 35 years
  • Tier II Benefit: Railroad-specific pension calculated as 0.7% of your average highest 60 months of earnings, multiplied by years of service
  • Age Adjustments: Benefits are reduced for early retirement and increased for delayed retirement
  • Spouse Benefits: 50% of Tier I and 45% of Tier II when eligible