← Built for the firehouse · San Francisco Fire Department retirement
A rough estimate
Model your San Francisco Fire Department retirement
An illustrative estimate for San Francisco Fire Department. Not affiliated with the City and County of San Francisco or the San Francisco Employees Retirement System.
Locked until you create a free account. No card.
Ray · San Francisco Fire Department · Hired on or after January 7, 2012 · retiring at 55 · 25 years · $140,000 final compensation
$105,000
estimated annual SFERS pension at retirement
Illustrative example. These are not your personal figures. SFERS safety members do not pay into Social Security on this job.
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.
Free account, no card. Snap your first stub after and your plan is saved to your account.
Hired on or after January 7, 2012 (Charter A8.604, Fire), as amended by Proposition H for retirements from January 1, 2025. The age factor is 2.4% a year at 50 and rises 0.03 points per completed quarter of age to 3.0% at 55, with a 90% cap. Age 50 and five years of credited service are required. Final compensation is your highest three consecutive fiscal years, or the 36 months before you retire, and overtime and premium pay are excluded.
SFERS safety members do not pay into Social Security, so there is no age-62 offset against this pension. Your check carries Medicare only. Most tools get this wrong.
A pension estimate is half the picture: it is the guaranteed half. What fills the gap is your own saving, month by month, out of the paycheck you have now. Snap your stub and we read every line we can verify, and hold the ones we cannot.
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