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Pension Estimate Calculator

Willis Towers Watson, Ryerson’s pension administrator, provides a free calculator where you can estimate your annual pension, from the Ryerson plan, payable based on various scenarios.

First time visiting the calculator? 

Important: Create a unique username and password for the calculator

In order to access the calculator, you’ll need to set up an account with Willis Towers Watson, Ryerson’s 3rd party pension administrator. This is separate from your Ryerson account; as such please do not enter your Ryerson credentials. Please create a unique username and password.

  • If it is your first time visiting the online site, select “No account yet? Register here” and follow the instructions to set up your account. This does not use your Ryerson single sign on credentials. 
  • You will need your employee number.

FAQs for using the calculator

In the navigation bar at the top of the page, select My Retirement > My Statements.

  • Under Ready to start your estimate?, select ESTIMATE MY PENSION.
  • Follow the prompts to enter in the required information. 

Note: In the pension calculator, you can select to produce an estimate by “Age”,”Date” or “Quick Date”. Select your preference before starting your estimate.

When estimating your pension, select “Quick Date”. You will then be able to choose from 3 separate scenarios: 

  • Earliest Retirement Date
    • At Ryerson, this is age 55. 
  • Earliest Unreduced  Retirement Date
    • If you choose to retire between the ages of 55 and 64, this is considered early retirement and your pension may be impacted if you don’t meet an unreduced retirement factor. Unreduced retirement factors are:
      • The 90 factor - Your age and years of pensionable service is equal to 90. 
      • You’re at least age 60 and have at least 20 years in the pension plan. 
      • You can still retire if you do not meet an unreduced retirement factor, but your pension will be impacted. Learn more about early retirement
  • Normal Retirement Date 
    • If you choose to retire at age 65 or older, this is considered normal retirement. There will be no reduction to your pension. 
  • Latest Retirement Date 
    • While you may choose to work past age 71, you are required to begin collecting your pension at this time.

Keep in mind that in these cases, “retirement date” refers to the time at which you begin receiving your Ryerson pension, not necessarily the date you will no longer work at Ryerson as some people choose to collect their pension and continue working.

In the navigation bar at the top of the page, select My Retirement > Compare scenarios.

Your previous estimates can be viewed by My Retirement > Estimate history.

Note: When conducting estimates, if applicable, don’t forget to account for any portion of your income that a former spouse may be entitled to.This calculator does not factor that into the estimate.


Ryerson reserves the right as sponsor of the Ryerson Retirement Pension Plan to amend the plan from time to time either in accordance with applicable legislation, or when deemed warranted by the University.