Retirement Optimizer
Models every retirement path — Rule of 85, normal retirement, early retirement with penalty schedules — and shows the lifetime dollar difference between each option.
- ✓Rule of 85 eligibility date calculated automatically
- ✓Early retirement reduction schedule (up to 40.8%)
- ✓Side-by-side comparison of up to 3 dates
- ✓Lifetime value estimate at each retirement date
Retirement Timeline
KPERS 1 · Born 1969 · 19.5 years service · Salary $65,000
Earliest EligibleAge 55 / 10 yrs
$1,337/mo
−40.8% penalty
Rule of 85Age 61 / 24 yrs — 2030
$2,145/mo
No reduction
Normal RetirementAge 62 / 10 yrs — 2031
$2,262/mo
Full benefit
Lifetime Value Comparison
Rule of 85 (age 61)$514,800 lifetime
Normal (age 62)$488,592 lifetime
Rule of 85 advantage+$26,208