A rough estimate

Understand your FDNY pension.

An illustrative estimate. Not affiliated with the City of New York or the NYC Fire Department Pension Fund.

An example

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Your tier

Years of uniformed service at retirement

Final average salary

annual base plus pensionable pay

An example

Mike · FDNY · Tier 3 Enhanced · 20 years of service · $110,000 final average salary

$55,000

estimated annual pension at retirement, before the age-62 Social Security reduction

Illustrative example. These are not your personal figures.

Make your money work for the life you want. A free account is where it starts: paying down what you owe, building savings that hold, and understanding your own money well enough that it works for you.

Explore an FDNY pension estimate for the plans we currently support.

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Tier 3 Enhanced: 50% of final average salary at 20 years, reflecting NY Chapter 692 of 2025. This is your benefit before the age-62 Social Security reduction.

These are educational estimates, not a benefit determination. Confirm your actual benefit with the NYC Fire Department Pension Fund, including your tier, appointment date, and final average salary period. Educational, not financial advice.

Your pension is the base. The rest is on you.

A 20-year pension replaces about half of your salary. Closing the other half is what your 457(b), a DROP if you take one, and your savings are for. Pension is the guaranteed half; your own saving is what fills the gap, the heart of the budgeting paradigm shift behind MoneyBadger. When you are ready, build your full plan in a few minutes.

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The full loop

A simple loop. Snap a photo of your paystub, no bank logins or account numbers to start. We turn it into plain guidance on both your retirement and your take-home budget. Then, only if you want, link your accounts through Plaid and we help you stay on track month to month. Linking is live for members today. See how linking works.

Illustrative only. This is not a benefit determination. Tier 3 Enhanced: 50% of final average salary at 20 years, reflecting NY Chapter 692 of 2025 (Senate Bill S4727, signed December 19, 2025); Social Security covered and subject to the age-62 reduction. For Tier 3 the figures above are your benefit BEFORE that reduction, which is what you collect until you turn 62. We do not estimate the reduction itself. Under RSSL 505 it is one-half of the primary Social Security benefit, and RSSL 511 defines that term for this purpose: it is calculated from wages in qualifying public employment and your credited service under this retirement system. It is NOT the ordinary Social Security retirement benefit SSA computes from every job you have held, so an SSA statement will not give you the figure that reduces this pension, and no calculation on a final average salary produces either one. An official benefit estimate from the NYC Fire Department Pension Fund is the source. Final average salary rules, overtime caps, and your exact figures come only from the NYC Fire Department Pension Fund. Confirm with your pension section before any decision. Educational, not financial advice. Built from public sources: NYC pension rules and published pay schedules. The FDNY pay-code dictionary was built from real FDNY paystubs, but our line-by-line check of it has not passed yet. Snap your own check and see your real numbers. Sources: NYS Comptroller, Police and Fire Plan · UFA FDNY Pension Manual (Tier 3 Enhanced) · NYC Fire Department Pension Fund. Also see the firefighter overtime calculator.