North Dakota NDPERS Retirement Calculator Help
The calculator covers the NDPERS Main defined benefit plan, which closed to new members on January 1, 2025. Here's what each input does.
First enrolled
Your first enrollment date sets three things: the multiplier (2.00% before 2020, 1.75% after), the Rule (85 before 2016, 90 with minimum age 60 after), and the early reduction (6% a year before 2016, 8% after). Your annual statement shows the date.
Service and final average salary
Service is the credit on your August statement. Final average salary is the better of your highest 36 salaries in your last 180 months as of December 31, 2019, or your highest three consecutive 12-month periods in your last 180 months. Enter it as a yearly amount.
Age you leave
If you leave at 55 or older, the calculator shows an unreduced or reduced benefit starting then. Leave younger with 3+ years and it shows when your unreduced deferred benefit can start, plus what starting at 55 would pay.
Reading the result
The figure is the single life option, the largest monthly amount. Joint and survivor, term certain, partial lump sum and graduated options change it.
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Frequently asked questions
Can members hired after 2016 retire early at 55?
Yes. The 2025-2027 handbook lets every Main member draw a reduced benefit from 55. The age-60 minimum applies only to the unreduced Rule of 90.
Is the post-2016 reduction measured from 65?
From 65 or the date you'd meet the Rule of 90 at age 60 or older, whichever is first. It's 2/3 of 1% per month.
Does the Rule of 85 have a minimum age?
No. Members enrolled before 2016 who reach 85 points before 55 can retire unreduced right away.
I was hired in 2025. Does this apply to me?
No. New members from January 1, 2025 are in the Defined Contribution 2025 plan, an account-based plan with no formula pension.