LASD Pension EstimatorView your Estimated Pension options until your chosen retirement date. 

Two scenarios are shown after your retirement start date, one with and one without the 2% COLA provided by the state. A 3% rise in the cost of living each year is taken into account to provide a more realistic picture of how far your money will go in the future. 

This graph is based off the data from the LASD retirement calendar. This is graph is for demonstrational purposes only and is not to be used to predict the payout any individuals pension. Each post-retirement scenario takes into account a 3% rise in the cost of living. The Cost of Living adjustment (COLA) provided by the city is set at 2%.   

LASD Horizons EstimatorView an example scenario of saving vs spending your horizons account at retirement

This assumes a 3% rise in the cost of living and a 5% interest rate

Example Scenario Explanation

Red Line The original  slopes down because it was not appreciating as the cost of living increased, leaving you defenseless against inflation. 


Green LineYou took prudent action for your future and delayed consuming your horizons account until age . Your money kept pace with inflation and had room to grow as well.  When compared to the red line, you will be better off in this next stage of life because you have more  at age  .

What do these numbers mean?A dollar today is worth less than a dollar tomorrow. The dollar amounts on these lines show the horizons account value, , over time when minding inflation and what you could have been earning in interest along the way. This is because by waiting, you gave up the ability to earn interest. This is typically measured against the risk-free rate of a government bond or another fixed investment type. When money is not active you do not just lose to inflation, you are also losing whatever risk-free rate could earned you each day you waited. This is the concept of “Future Value” and the “Time Value of Money”. 
This is graph is for demonstrational purposes only and is not to be used to predict the investment performance of any given asset or individual. Do not use this calculator to plan your investments. This is to be used for the educational purpose of demonstrating the time value of money. Each post-retirement scenario takes into account a 3% rise in the cost of living. This investment assumes a 5% annual interest rate payment. The Cost of Living adjustment (COLA) provided by the city is set at an annual 2% increase.   

LASD Retirement Planning 

With over 20 years serving in the Los Angeles Sheriff's Department, Sgt. Bobby Dean knows the sacrifice LA County Sheriffs make for our state. He now wants to ensure these sacrifices are honored by ensuring his fellow deputies retire with with what the most they are entitled to. Bobby is a licensed retirement advisor available to answer any questions you have about your LASD pension, your Horizons account and retirement. 

[email protected]