Calculators

The following calculators are provided to help you develop your personal investment and retirement strategies.

The calculators require that you provide individualized information for the most accurate results. If you have a Colorado PERA User ID and password, you may click on “Load Data” which will download your information from PERA’s computer records. If you do not have a PERA User ID and password, you can request one at any time. In the meantime, you may find it helpful to refer to your latest PERA Annual Member Statement for some of the requested information.

Information About These Calculators:

  • The results displayed are based on the unaudited information reported to PERA by your employer. Records will be audited prior to a formal calculation by PERA when you apply for a purchase, benefit, or a refund, and therefore the formal calculation by PERA may differ from the results estimated by the online calculators.
  • Annual Percentage Yield (APY) is the compounded annual rate of return that you expect to receive on your investments or savings. We suggest that you enter conservative expected rates of return.
  • The majority of these calculators do not apply taxes, and none of them project fluctuations in investment earnings.
  • Federal and/or state laws may specify limitations not contained in these calculations.

Highest Average Salary (HAS)

Estimates your monthly HAS, used for calculating your monthly retirement benefit.

How Much Can I Withdraw From My Account?

Determines the amount you may withdraw from an account based on account balance, number of years over which you want to withdraw, and annual percentage yield.

PERAPlus 401(k)/457 Plan Tax-Deferral Worksheet

Determines how contributions, matching amounts, and deductions affect PERAPlus accounts and helps ensure your contributions are within IRS limits.

PERA Monthly Retirement Benefit

Estimates your monthly retirement benefit amount.

Purchasing Service Credit - Effect on Benefit

Determines the increase in your monthly retirement benefit if you purchase service credit.

Purchasing Service Credit - Employment Not Covered by PERA

Determines the cost of purchasing service credit for employment that was not covered under PERA.

Purchasing Service Credit - Refunded/Rolled Over PERA DB Plan Account

Determines the cost of purchasing service credit for a PERA account you previously refunded or rolled over.

Future Value of an Investment

Determines the future value of an account based on account balance, contributions, annual percentage yield, and length of investment.

PERACare Premium Inquiry for Retirees

Determines your eligibility for PERACare plans and the associated monthly premium amounts.

How Long Can I Withdraw From My Account?

Determines the length of time you may withdraw from an account based on account balance, withdrawal amount, withdrawal frequency, and annual percentage yield.

PERACare Premium Inquiry for Active Members

Determines your PERACare monthly premium amounts if your employer participates in PERACare. You must log on to your PERA account. (You must log in to your account with your User ID and password to use this calculator. Your employer must participate in PERACare.)

Termination Options

Explains your options after you leave PERA-covered employment. (You must log in to your account with your User ID and password to use this calculator.

PERA Retirement Planner

Determines your monthly income goal in retirement and how that goal will be met from various sources, including your PERA monthly benefit, 401(k)/457 plans, Social Security, etc. (You must log in to your account with your User ID and password to use this calculator.)

Benefit Tax Estimate

Estimates your federal and state tax withholding from your monthly retirement benefit.