Interactive estimator for Denton Firemen's Relief & Retirement Fund members
2.59%Benefit rate / yr of service
20 yrsFull vesting
Age 50Earliest retirement
Your Estimated Monthly Benefit
$0.00
$0 per year
Adjust the sliders below to calculate
This calculator uses the DFRRF benefit formula (Plan Document, Section B.2, effective January 1, 2011) to estimate your retirement income. Your actual benefit is computed by the Fund administrator using your verified salary history and service records. Log in to the DFRRF Member Portal for your official calculation.
Estimate only. Salary data shown is from the FY 2024-2025 Civil Service Fire Pay Plan (effective January 4, 2025), not actual payroll records. Your real Average Monthly Salary is computed from your highest 78 consecutive bi-weekly pay periods, which includes overtime and other eligible compensation. This calculator uses base pay as a starting point. Contact Gary Calmes at gary@dentonfirepension.com for official benefit estimates.
1
Retirement Type
Select the type of benefit you want to estimate.
Normal
Retro DROP
Vested Termination
Disability
Death
2
Your Information
This sets the slider below. Your actual average salary (based on 78 pay periods) will differ because it includes overtime and other eligible pay.
$7,150
$4,500$21,000
Drag to adjust. Your real average may be higher than base pay if you regularly work overtime.
20.0 years
010 yrs20 yrs30 yrs40 yrs
Default is 48 months (4 years).
The disability percentage assigned to your case. This additional factor is applied to your calculated monthly benefit.
3
Vesting Status
Benefits fully vest after 20 years of credited service. A deferred benefit is available to members who leave after 10 years. Normal retirement requires age 50 with 20 years of service.
0 yrs10 yrs (partial)20 yrs (full)
4
Benefit Formula Breakdown
The DFRRF benefit formula computes a monthly benefit amount. Each step is shown below based on your inputs.
5
Optional Forms of Payment to Surviving Spouse
Choose how your benefit will be paid. Each option trades off between your monthly payment and the benefit your surviving spouse would receive.
Joint & 66.67% to Surviving Spouse Plan Default
You receive the full benefit. Upon your death, your spouse receives two-thirds (66.67%) for their lifetime.
No reduction to your benefit
Joint & 100% to Surviving Spouse
You and your spouse both receive 96% of the calculated benefit. Same amount to both.
96% of base benefit
Joint & 50% to Surviving Spouse
You receive 102% of the calculated benefit. Upon your death, your spouse receives 50% of your amount.
102% of base benefit
6
Contribution Summary
You contribute 12.6% of your pay toward your pension. Separately, the City of Denton contributes 18.5% of your compensation on your behalf. The City's contribution is not deducted from your paycheck.
7
Income Replacement
Financial planners generally recommend replacing 70% to 85% of pre-retirement income. Your DFRRF benefit covers a significant share. The gap can be bridged with the IAFF 457 plan, personal savings, or Social Security (if eligible).
