Will your FRS benefit cover the bills?
Three short steps. Your pension estimate first, then Social Security, then what a month costs. Every figure comes from you or from Florida statute. We add no assumptions.
- Your pension
- Social Security
- Monthly bills
Option 1, single life. Options 2, 3 and 4 pay less. No cost-of-living adjustment is applied. This is an estimate from your own figures, not a benefit determination. Your actual figure comes from MyFRS.
You are not yet vested.
Schedule a short callSocial Security is counted as zero here. Your gap may narrow later, when you claim.
A lot of people who run these numbers land here, and that's not a reason to panic. It's a reason to look closer at where the gap is coming from and what's driving it. If you'd like a second set of eyes on the numbers you just worked through, we can help you look at what's creating the gap and what your options look like from there.
Good. But a number like this isn't fixed. Healthcare costs grow faster than most other expenses. Inflation doesn't stop because you retired. And your FRS benefit does not adjust for it. So if you want to make sure this number holds up over the next twenty or thirty years, we can help you look at that too.
When it comes down to it, this is a starting point, not a final answer. If you want to talk through what you found, you can schedule a short call.
An estimate from your own figures, not a benefit determination. Your pension figure is Option 1, single life, with no cost-of-living adjustment. Your actual benefit comes from MyFRS. Free, unbiased guidance is available from the MyFRS Financial Guidance Line at 1-866-446-9377.
Or book the thirty minutes now.
Pick a timeOr call (407) 637-4972
Neither Joy Financial Group LLC nor Benowitz Wealth Management is affiliated with, endorsed by, or employed by the Florida Retirement System, the Florida Division of Retirement, the State Board of Administration of Florida, MyFRS, or any government agency. FRS members may obtain free, unbiased guidance from the MyFRS Financial Guidance Line at 1-866-446-9377.
Benowitz Wealth Management is the public-facing brand of Joy Financial Group LLC, a Florida-registered investment adviser and fiduciary, CRD 331545.
This calculator produces an educational estimate based on the figures you enter. It is not a benefit determination and not individualized investment advice. Options 2, 3 and 4 pay less than the Option 1 figure shown, and no cost-of-living adjustment is applied.
Percentage values, vesting and normal retirement rules follow the FRS Employer Handbook, Chapter 9, January 2026 edition, and sections 121.021, 121.091 and 112.65, Florida Statutes. Read Chapter 9