The money questions that come up on the job.

Pension Estimator TIER 3

Estimate your NYC Fire Pension Fund service allowance under the Tier 3 Enhanced Plan.

Tier 3 Enhanced. For firefighters appointed on or after 7/1/2009 (RSSL Article 14). Appointed before that, you're Tier 2 — use the Tier 2 tool instead.

Social Security offset (age 62)

The Fund figures the offset using only the Social Security wages from your New York public service. If you have other Social Security work (a second career, prior jobs), enter just the city-service portion in the second box.

Proposed extra credit for long service (pending)

VSF supplement

Escalation: Chapter 58 of the Laws of 2026 (Part ZZ) gives FDNY Tier 3 full escalation at 23 years of service (it was 25). Retire between 20 and 23 and you get 1/36 of full escalation for each month past 20; at exactly 20 you get none — only the standard COLA later (from age 55 with 10 years retired, or 62 with 5), which is 50% of inflation, between 1% and 3%, on the first $18,000. Escalation itself is the lesser of inflation or 3% a year and is not shown in the dollar figures above.

Longevity bonus (law since May 26, 2026): Chapter 58 of the Laws of 2026 (Part AAA) adds a bonus at 25 years of uniformed FDNY service: 5% of the highest grade of pay for the rank you retire in is added to your FAS, plus 1 point for each year past 25, up to 15% at 35. The $140,392 default is the 2024 firefighter top grade from the city actuary's fiscal note — enter your rank's current top pay. The law doesn't say how it treats disability retirements or prior EMS/city service; confirm with the UFA or the Fire Pension Fund.

VSF supplement: FDNY service retirees with 20+ years receive a $12,000/yr Variable Supplements Fund benefit, paid as a lump sum (around December 15, prorated the first year). It is separate from your pension, fixed by law (unchanged since 2011), and is not paid to disability retirees.

How it builds: 50% of FAS at 20 years of service, at any age — Chapter 692 of the Laws of 2025 (signed December 19, 2025) cut the FDNY Tier 3 requirement from 22 years to 20. Before that law, 20 years paid 42% (2.1% per year), rising to 50% at 22. FAS is your highest 5 consecutive years (ending on your retirement month and day), with any year more than 10% above the prior four years' average trimmed.

Educational estimate only — not an official calculation, and Service retirement only (disability retirement uses different formulas and no SS offset). The 50% Social Security offset at 62 reflects current law; the proposed changes above are pending bills, not enacted. Member contributions (3% + ~2.1%, 6% max) don't change the benefit. For an official estimate, contact the NYC Fire Pension Fund (929-436-0099).