Why this site exists
Most state retirement systems put their benefit estimators behind a member login, and the rules that decide your pension are spread across long handbooks and state law. Most people nearing retirement just want to know: when can I retire, and what will I get?
This site puts those rules in one place, state by state, in plain English, with a calculator that shows when you qualify for a full benefit and what retiring early or working longer would do to your check.
What we are, and aren't
- Independent. We're not affiliated with, endorsed by, or connected to any state retirement system, including the Teachers' Retirement System of Alabama, the Alaska Teachers' Retirement System, the Arizona State Retirement System, the Arkansas Teacher Retirement System, the California State Teachers' Retirement System, the Colorado Public Employees' Retirement Association, the Connecticut Teachers' Retirement Board (Teachers' Retirement System), the Delaware State Employees' Pension Plan, the Florida Retirement System, the Teachers Retirement System of Georgia, the Employees' Retirement System of the State of Hawaii, the Public Employee Retirement System of Idaho, the Teachers' Retirement System of the State of Illinois, the Indiana Teachers' Retirement Fund (INPRS), the Iowa Public Employees' Retirement System, the Kansas Public Employees Retirement System, the Teachers' Retirement System of the State of Kentucky, the Teachers' Retirement System of Louisiana, the Maine Public Employees Retirement System (MainePERS), State Employee and Teacher Retirement Program, the Maryland Teachers' Pension System (State Retirement and Pension System), the Massachusetts Teachers' Retirement System, the Michigan Public School Employees' Retirement System, the Teachers Retirement Association, the Public Employees' Retirement System of Mississippi, the Public School Retirement System of Missouri, the Montana Teachers' Retirement System, the Nebraska School Employees Retirement System (administered by NPERS), the Public Employees' Retirement System of Nevada, the New Hampshire Retirement System, the Teachers' Pension and Annuity Fund, the New Mexico Educational Retirement Board, the New York State Teachers' Retirement System, the Teachers' and State Employees' Retirement System of North Carolina, the North Dakota Teachers' Fund for Retirement, the State Teachers Retirement System of Ohio, the Teachers' Retirement System of Oklahoma, the Oregon Public Employees Retirement System, the Pennsylvania Public School Employees' Retirement System, the Employees' Retirement System of Rhode Island, the South Carolina Retirement System, the South Dakota Retirement System, the Tennessee Consolidated Retirement System, the Teacher Retirement System of Texas, the Utah Retirement Systems, the Vermont State Teachers' Retirement System, the Virginia Retirement System, the Washington State Teachers' Retirement System (administered by the Department of Retirement Systems), the West Virginia Teachers' Retirement System, the Wisconsin Retirement System, the Wyoming Retirement System.
- Sourced. Every rule cites the handbook page, statute or regulation it comes from, and each state's calculator is tested against its handbook's worked examples.
- Free, with no sign-up. The calculators run in your browser. What you type isn't sent to us; it's kept in the page address so you can bookmark or share your scenario.
- Not official. Our numbers are estimates. Only your retirement system can tell you your actual benefit.
- Not financial advice. We explain the rules; we don't tell you what to choose. For that, talk to your retirement system, a financial planner or a tax professional.
Who it's for
Teachers and everyone else in a pension-covered job at a public school, college or university, especially those within ten years of retiring.
States covered
- Alabama: Teachers' Retirement System of Alabama (TRS of Alabama)
- Alaska: Alaska Teachers' Retirement System (Alaska TRS)
- Arizona: Arizona State Retirement System (ASRS)
- Arkansas: Arkansas Teacher Retirement System (ATRS)
- California: California State Teachers' Retirement System (CalSTRS)
- Colorado: Colorado Public Employees' Retirement Association (Colorado PERA)
- Connecticut: Connecticut Teachers' Retirement Board (Teachers' Retirement System) (Connecticut TRB)
- Delaware: Delaware State Employees' Pension Plan (SEPP)
- Florida: Florida Retirement System (FRS)
- Georgia: Teachers Retirement System of Georgia (TRS of Georgia)
- Hawaii: Employees' Retirement System of the State of Hawaii (Hawaii ERS)
- Idaho: Public Employee Retirement System of Idaho (PERSI)
- Illinois: Teachers' Retirement System of the State of Illinois (TRS Illinois)
- Indiana: Indiana Teachers' Retirement Fund (INPRS) (TRF)
- Iowa: Iowa Public Employees' Retirement System (IPERS)
- Kansas: Kansas Public Employees Retirement System (KPERS)
- Kentucky: Teachers' Retirement System of the State of Kentucky (TRS of Kentucky)
- Louisiana: Teachers' Retirement System of Louisiana (TRSL)
- Maine: Maine Public Employees Retirement System (MainePERS), State Employee and Teacher Retirement Program (MainePERS)
- Maryland: Maryland Teachers' Pension System (State Retirement and Pension System) (TPS)
- Massachusetts: Massachusetts Teachers' Retirement System (MTRS)
- Michigan: Michigan Public School Employees' Retirement System (MPSERS)
- Minnesota: Teachers Retirement Association (TRA)
- Mississippi: Public Employees' Retirement System of Mississippi (Mississippi PERS)
- Missouri: Public School Retirement System of Missouri (PSRS)
- Montana: Montana Teachers' Retirement System (Montana TRS)
- Nebraska: Nebraska School Employees Retirement System (administered by NPERS) (Nebraska School Retirement System)
- Nevada: Public Employees' Retirement System of Nevada (Nevada PERS)
- New Hampshire: New Hampshire Retirement System (NHRS)
- New Jersey: Teachers' Pension and Annuity Fund (TPAF)
- New Mexico: New Mexico Educational Retirement Board (NMERB)
- New York: New York State Teachers' Retirement System (NYSTRS)
- North Carolina: Teachers' and State Employees' Retirement System of North Carolina (TSERS)
- North Dakota: North Dakota Teachers' Fund for Retirement (TFFR)
- Ohio: State Teachers Retirement System of Ohio (STRS Ohio)
- Oklahoma: Teachers' Retirement System of Oklahoma (TRS of Oklahoma)
- Oregon: Oregon Public Employees Retirement System (Oregon PERS)
- Pennsylvania: Pennsylvania Public School Employees' Retirement System (PSERS)
- Rhode Island: Employees' Retirement System of Rhode Island (ERSRI)
- South Carolina: South Carolina Retirement System (SCRS)
- South Dakota: South Dakota Retirement System (SDRS)
- Tennessee: Tennessee Consolidated Retirement System (TCRS)
- Texas: Teacher Retirement System of Texas (TRS)
- Utah: Utah Retirement Systems (URS)
- Vermont: Vermont State Teachers' Retirement System (VSTRS)
- Virginia: Virginia Retirement System (VRS)
- Washington: Washington State Teachers' Retirement System (administered by the Department of Retirement Systems) (Washington TRS)
- West Virginia: West Virginia Teachers' Retirement System (West Virginia TRS)
- Wisconsin: Wisconsin Retirement System (WRS)
- Wyoming: Wyoming Retirement System (Wyoming RS)
We add a state only once its rules are sourced and tested. Want yours next? Tell us.
Who's responsible for the content
Teacher Pension Calculator is an independent publisher. Its editorial team writes, checks and maintains every page and is responsible for what each one says. No retirement system, union, employer or financial firm writes, reviews, approves or pays for any of it.
How that works in practice, from the order we trust sources in to what a "Check with" label means and how quickly confirmed errors are fixed, is set out in our corrections and editorial policy. Every correction is logged on What's changed, and every page shows when it was last reviewed.
Get in touchThink something's wrong? Use the "Report an error on this page" link at the bottom of any page, or contact us. For questions about your own account, contact your retirement system.