Teacher Pension CalculatorPlain-English estimates for Texas public school retireesUnofficial
Texas · TRS · Free, unofficial, no login

What will your TRS of Texas pension actually pay?

Estimate your monthly check, the first day you qualify for a full benefit, and what one more year of work is worth. In about two minutes.

Updated for the TRS Benefits Handbook, September 2025 · Last reviewed

  • 2.3% × years of service × your average salary
  • 80 age + years of service for a full benefit (with a minimum age in Tiers 3-6)
  • 6 tiers, set by when you joined and your service in 2005 and 2014

Texas teacher pension calculator

1 About you
2 Your TRS service
3 Find your tier

Before Sept. 1, 2005, while a TRS member, were you at least 50, did your age plus years of service total 70 or more, or did you have 25 or more years of service?

TRS calls this being "grandfathered." Your annual TRS statement shows your tier if you're not sure.

Did you have at least 5 years of TRS service credit on Aug. 31, 2014, and have you kept your membership since (no refund of contributions)?

Only service actually credited (or purchased and paid for) by Aug. 31, 2014 counts, plus up to 5 years of USERRA military service.
Add a beneficiary (optional, for survivor options)
Your estimated monthly check

Fill in the form and we'll show your monthly pension, your full-benefit date, and what working longer would add.

Common questions

How is a TRS pension calculated?

The standard annuity is the multiplier (2.3%) times your years of service times your final average salary (the average of your highest-paid 3 or 5 years, depending on your tier). The calculator above applies the rules for your tier.

When can I retire with a full TRS benefit?

It depends on your tier. Every tier gets a full benefit at 65 with 5 years of service. Under the Rule of 80 (age plus years of service of at least 80), Tiers 1 and 2 get a full benefit at any age, Tiers 3 and 4 from age 60, and Tiers 5 and 6 from age 62.

Is this the official TRS calculator?

No. This is an unofficial estimate, not affiliated with TRS. The official estimator is in your MyTRS account.

Compare Texas with other states

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Plain-English guides

How your pension works

Which tier am I?Three questions decide your tier and your rules.The Rule of 80Age + service = 80, and what it gets you in each tier.Early retirement reduction tableHow much retiring early cuts your pension, by age and service.Buying service creditMilitary, out-of-state, withdrawn and other service you can buy, and what a year adds.TRS glossaryPlain-English definitions of the TRS terms you'll run into.

Planning your exit

When to retire: dates and checklistRetirement dates, application deadlines, first payment, and a printable countdown.Leaving teaching: refund or keep your account?What a refund pays, what it gives up, and the taxes.Taxes on your TRS pensionFederal tax, withholding, rollovers, and moving out of Texas.Social Security, WEP and GPOWhat the 2025 repeal means for Texas teachers.

After you retire

Working after retirementCan you go back to work? Break-in-service rules, limits and a quick checker.TRS COLA 2027 trackerIs a cost-of-living increase coming? Bills, session dates, and what one would add.COLA historyEvery cost-of-living increase since 1993.TRS-CareWho qualifies for retiree health coverage, which plan you get, and when to enroll.TRS-Care premiums by year2018 to 2027, by plan and coverage level.Death and survivor benefitsWhat a family receives, and the first steps after a loss.

More calculators

One more year?What working 1, 2 or 3 more years adds, with examples.Payment optionsStandard annuity vs. Options 1-5, in dollars.PLSO (Partial Lump Sum Option)Cash at retirement vs. a smaller check, and the break-even.

Source: TRS Benefits Handbook, September 2025, pp. 23-36. Last reviewed .