Pension Estimates

How Much Is MTA Pension After 10, 20 and 30 Years of Service?

The single most common question MTA employees ask. Here are real, formula-based estimates so you know exactly what to expect at each milestone.

Try the Calculator

All examples below assume a Final Average Salary (FAS) of $75,000 and use the standard MTA formula: FAS × Years of Service × 2%. Your actual numbers will scale up or down with your own salary.

Pension by Years of Service

10 Years

$15,000

per year

$1,250 per month

Replaces ~20% of salary

20 Years

$30,000

per year

$2,500 per month

Replaces ~40% of salary

30 Years

$45,000

per year

$3,750 per month

Replaces ~60% of salary

These figures are before any early retirement reductions or survivor benefit elections. Use the calculator to get a personalized estimate based on your actual salary and retirement age.

Frequently Asked Questions

How much is the MTA pension after 20 years?

With a $75,000 final average salary, 20 years of service yields roughly $30,000 per year ($75,000 × 20 × 2%), or about $2,500 per month before any reductions.

How much is the MTA pension after 30 years?

With a $75,000 final average salary, 30 years of service yields about $45,000 per year ($75,000 × 30 × 2%), or roughly $3,750 per month. Higher salaries produce proportionally higher pensions.

Is the MTA pension enough to retire on?

A 30-year MTA pension replaces about 60% of your final average salary. Many retirees supplement this with the MTA deferred compensation 457(b) plan and, for railroad employees, Railroad Retirement benefits.

What's the maximum MTA pension?

Your pension generally cannot exceed 100% of your final average salary. The 2% multiplier means it would take 50 years of service to reach that cap.