In January, Treasurer Beth Pearce revealed her proposal to address funding issues with the Vermont State Teachers' Retirement System. In short, the proposal would have teachers pay more now for a lower benefit that does not include any cost of living adjustments. Below are two calculators that can help you get an estimate about how much these changes will cost you over the long run. ***PLEASE NOTE: it is best to use these calculators on your desktop or laptop computer, not your mobile device or tablet. Once you click on the calculator, an Excel document will download. You can then open it and enter your information. 

While these calculators are reliable, they are estimates only, and do not replace consulting with your financial advisor or speaking directly with folks at VSTRS. 

What Will Eliminating the COLA Cost Me?

What Will Higher Contributions Cost Me?

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