Texas · TRS · Early-age reductions

TRS of Texas early retirement reduction table: what you keep

Retire before you qualify for a full benefit and TRS cuts your pension, for life. How big the cut is depends on your age, your years of service and your tier.

53%the biggest cut: age 55,
under 20 years, no Rule of 80
You don't meet the Rule of 80

TRS uses an actuarial table. The cut is steep at 55 and shrinks each month until 65.

See the table ↓
You meet the Rule of 80, but you're young

Tiers 3 to 6 cut 5% for each year you're under 60 or 62. Tiers 4 and 6 skip the cut with 20+ years at 55+.

See the 5% rule ↓
Grandfathered, 20-24 years

Tiers 1, 4 and 6 get a gentler table at 55 to 59: 10% or less.

See the grandfathered table ↓

Share of your full benefit you keep, by age and years of service

For members who don't meet the Rule of 80 (age + years under 80). Applies to all tiers, except grandfathered members with 20-24 years (below). Ages are on your retirement date.

Share of your full benefit you keep, by age and years of service (TRS Texas)
Age5-15 yrs16 yrs17 yrs18 yrs19 yrs20+ yrs
5547%47%47%47%47%47%
5651%51%51%51%51%51%
5755%55%55%55%55%55%
5859%59%59%59%59%59%
5963%63%63%63%63%63%
6067%67%67%67%67%R80
6173%73%73%73%R80R80
6280%80%80%R80R80R80
6387%87%R80R80R80R80
6493%R80R80R80R80R80

bigger cut smaller cut R80 age + years reach 80, so this table no longer applies

The surprise in this tableRead across any row: the share you keep is the same whatever your years of service. Below the Rule of 80, only your age sets the cut. Extra years help by getting you to the Rule of 80 sooner, and by making the benefit itself bigger.
Reading the tableRetire at 58 with 18 years and you keep 59% of your full benefit. On a $2,000 full benefit that's $1,180 a month, for life.

Met the Rule of 80 but under your tier's minimum age

Cut for each whole year you're under the minimum age. Assumes you have just enough years to meet the Rule of 80 at each age (at least 20 years). Tiers 1 and 2 have no minimum age: the Rule of 80 alone gives a full benefit.

Met the Rule of 80 but under your tier's minimum age (TRS Texas)
AgeYearsTier 3Tier 4Tier 5Tier 6
503050%50%40%40%
512955%55%45%45%
522860%60%50%50%
532765%65%55%55%
542670%70%60%60%
552575%No cut65%No cut
562480%No cut70%No cut
572385%No cut75%No cut
582290%No cut80%No cut
592195%No cut85%No cut
6020FullFull90%No cut
6120FullFull95%No cut

Minimum age for a full benefit under the Rule of 80: 60 in Tiers 3 and 4, 62 in Tiers 5 and 6. "No cut" means Tier 4 or 6 members at least 55 with 20+ years aren't reduced, though TRS still counts it as an early-age retirement. With 30+ years and under 50, Tiers 1 and 2 are cut 2% a year under 50.

Grandfathered members (Tiers 1, 4 and 6) with 20-24 years

For members 55 or older who don't meet the Rule of 80. Not sure if you're grandfathered? Check your tier.

Grandfathered members (Tiers 1, 4 and 6) with 20-24 years (TRS Texas)
Age20 yrs21 yrs22 yrs23 yrs24 yrs
5590%92%94%96%98%
5692%94%96%98%R80
5794%96%98%R80R80
5896%98%R80R80R80
5998%R80R80R80R80

Month-by-month factors, ages 55 to 64

TRS uses your age in years and months. Tap to open the full table (120 rows).
Month-by-month factors, ages 55 to 64 (TRS Texas)
Age5-15 yrs16 yrs17 yrs18 yrs19 yrs20+ yrs
55 yr 0 mo47.00%47.00%47.00%47.00%47.00%47.00%
55 yr 1 mo47.33%47.33%47.33%47.33%47.33%47.33%
55 yr 2 mo47.67%47.67%47.67%47.67%47.67%47.67%
55 yr 3 mo48.00%48.00%48.00%48.00%48.00%48.00%
55 yr 4 mo48.33%48.33%48.33%48.33%48.33%48.33%
55 yr 5 mo48.67%48.67%48.67%48.67%48.67%48.67%
55 yr 6 mo49.00%49.00%49.00%49.00%49.00%49.00%
55 yr 7 mo49.33%49.33%49.33%49.33%49.33%49.33%
55 yr 8 mo49.67%49.67%49.67%49.67%49.67%49.67%
55 yr 9 mo50.00%50.00%50.00%50.00%50.00%50.00%
55 yr 10 mo50.33%50.33%50.33%50.33%50.33%50.33%
55 yr 11 mo50.67%50.67%50.67%50.67%50.67%50.67%
56 yr 0 mo51.00%51.00%51.00%51.00%51.00%51.00%
56 yr 1 mo51.33%51.33%51.33%51.33%51.33%51.33%
56 yr 2 mo51.67%51.67%51.67%51.67%51.67%51.67%
56 yr 3 mo52.00%52.00%52.00%52.00%52.00%52.00%
56 yr 4 mo52.33%52.33%52.33%52.33%52.33%52.33%
56 yr 5 mo52.67%52.67%52.67%52.67%52.67%52.67%
56 yr 6 mo53.00%53.00%53.00%53.00%53.00%53.00%
56 yr 7 mo53.33%53.33%53.33%53.33%53.33%53.33%
56 yr 8 mo53.67%53.67%53.67%53.67%53.67%53.67%
56 yr 9 mo54.00%54.00%54.00%54.00%54.00%54.00%
56 yr 10 mo54.33%54.33%54.33%54.33%54.33%54.33%
56 yr 11 mo54.67%54.67%54.67%54.67%54.67%54.67%
57 yr 0 mo55.00%55.00%55.00%55.00%55.00%55.00%
57 yr 1 mo55.33%55.33%55.33%55.33%55.33%55.33%
57 yr 2 mo55.67%55.67%55.67%55.67%55.67%55.67%
57 yr 3 mo56.00%56.00%56.00%56.00%56.00%56.00%
57 yr 4 mo56.33%56.33%56.33%56.33%56.33%56.33%
57 yr 5 mo56.67%56.67%56.67%56.67%56.67%56.67%
57 yr 6 mo57.00%57.00%57.00%57.00%57.00%57.00%
57 yr 7 mo57.33%57.33%57.33%57.33%57.33%57.33%
57 yr 8 mo57.67%57.67%57.67%57.67%57.67%57.67%
57 yr 9 mo58.00%58.00%58.00%58.00%58.00%58.00%
57 yr 10 mo58.33%58.33%58.33%58.33%58.33%58.33%
57 yr 11 mo58.67%58.67%58.67%58.67%58.67%58.67%
58 yr 0 mo59.00%59.00%59.00%59.00%59.00%59.00%
58 yr 1 mo59.33%59.33%59.33%59.33%59.33%59.33%
58 yr 2 mo59.67%59.67%59.67%59.67%59.67%59.67%
58 yr 3 mo60.00%60.00%60.00%60.00%60.00%60.00%
58 yr 4 mo60.33%60.33%60.33%60.33%60.33%60.33%
58 yr 5 mo60.67%60.67%60.67%60.67%60.67%60.67%
58 yr 6 mo61.00%61.00%61.00%61.00%61.00%61.00%
58 yr 7 mo61.33%61.33%61.33%61.33%61.33%61.33%
58 yr 8 mo61.67%61.67%61.67%61.67%61.67%61.67%
58 yr 9 mo62.00%62.00%62.00%62.00%62.00%62.00%
58 yr 10 mo62.33%62.33%62.33%62.33%62.33%62.33%
58 yr 11 mo62.67%62.67%62.67%62.67%62.67%62.67%
59 yr 0 mo63.00%63.00%63.00%63.00%63.00%63.00%
59 yr 1 mo63.33%63.33%63.33%63.33%63.33%63.33%
59 yr 2 mo63.67%63.67%63.67%63.67%63.67%63.67%
59 yr 3 mo64.00%64.00%64.00%64.00%64.00%64.00%
59 yr 4 mo64.33%64.33%64.33%64.33%64.33%64.33%
59 yr 5 mo64.67%64.67%64.67%64.67%64.67%64.67%
59 yr 6 mo65.00%65.00%65.00%65.00%65.00%65.00%
59 yr 7 mo65.33%65.33%65.33%65.33%65.33%65.33%
59 yr 8 mo65.67%65.67%65.67%65.67%65.67%65.67%
59 yr 9 mo66.00%66.00%66.00%66.00%66.00%66.00%
59 yr 10 mo66.33%66.33%66.33%66.33%66.33%66.33%
59 yr 11 mo66.67%66.67%66.67%66.67%66.67%66.67%
60 yr 0 mo67.00%67.00%67.00%67.00%67.00%R80
60 yr 1 mo67.50%67.50%67.50%67.50%67.50%R80
60 yr 2 mo68.00%68.00%68.00%68.00%68.00%R80
60 yr 3 mo68.50%68.50%68.50%68.50%68.50%R80
60 yr 4 mo69.00%69.00%69.00%69.00%69.00%R80
60 yr 5 mo69.50%69.50%69.50%69.50%69.50%R80
60 yr 6 mo70.00%70.00%70.00%70.00%70.00%R80
60 yr 7 mo70.50%70.50%70.50%70.50%70.50%R80
60 yr 8 mo71.00%71.00%71.00%71.00%71.00%R80
60 yr 9 mo71.50%71.50%71.50%71.50%71.50%R80
60 yr 10 mo72.00%72.00%72.00%72.00%72.00%R80
60 yr 11 mo72.50%72.50%72.50%72.50%72.50%R80
61 yr 0 mo73.00%73.00%73.00%73.00%R80R80
61 yr 1 mo73.58%73.58%73.58%73.58%R80R80
61 yr 2 mo74.17%74.17%74.17%74.17%R80R80
61 yr 3 mo74.75%74.75%74.75%74.75%R80R80
61 yr 4 mo75.33%75.33%75.33%75.33%R80R80
61 yr 5 mo75.92%75.92%75.92%75.92%R80R80
61 yr 6 mo76.50%76.50%76.50%76.50%R80R80
61 yr 7 mo77.08%77.08%77.08%77.08%R80R80
61 yr 8 mo77.67%77.67%77.67%77.67%R80R80
61 yr 9 mo78.25%78.25%78.25%78.25%R80R80
61 yr 10 mo78.83%78.83%78.83%78.83%R80R80
61 yr 11 mo79.42%79.42%79.42%79.42%R80R80
62 yr 0 mo80.00%80.00%80.00%R80R80R80
62 yr 1 mo80.58%80.58%80.58%R80R80R80
62 yr 2 mo81.17%81.17%81.17%R80R80R80
62 yr 3 mo81.75%81.75%81.75%R80R80R80
62 yr 4 mo82.33%82.33%82.33%R80R80R80
62 yr 5 mo82.92%82.92%82.92%R80R80R80
62 yr 6 mo83.50%83.50%83.50%R80R80R80
62 yr 7 mo84.08%84.08%84.08%R80R80R80
62 yr 8 mo84.67%84.67%84.67%R80R80R80
62 yr 9 mo85.25%85.25%85.25%R80R80R80
62 yr 10 mo85.83%85.83%85.83%R80R80R80
62 yr 11 mo86.42%86.42%86.42%R80R80R80
63 yr 0 mo87.00%87.00%R80R80R80R80
63 yr 1 mo87.50%87.50%R80R80R80R80
63 yr 2 mo88.00%88.00%R80R80R80R80
63 yr 3 mo88.50%88.50%R80R80R80R80
63 yr 4 mo89.00%89.00%R80R80R80R80
63 yr 5 mo89.50%89.50%R80R80R80R80
63 yr 6 mo90.00%90.00%R80R80R80R80
63 yr 7 mo90.50%90.50%R80R80R80R80
63 yr 8 mo91.00%91.00%R80R80R80R80
63 yr 9 mo91.50%91.50%R80R80R80R80
63 yr 10 mo92.00%92.00%R80R80R80R80
63 yr 11 mo92.50%92.50%R80R80R80R80
64 yr 0 mo93.00%R80R80R80R80R80
64 yr 1 mo93.58%R80R80R80R80R80
64 yr 2 mo94.17%R80R80R80R80R80
64 yr 3 mo94.75%R80R80R80R80R80
64 yr 4 mo95.33%R80R80R80R80R80
64 yr 5 mo95.92%R80R80R80R80R80
64 yr 6 mo96.50%R80R80R80R80R80
64 yr 7 mo97.08%R80R80R80R80R80
64 yr 8 mo97.67%R80R80R80R80R80
64 yr 9 mo98.25%R80R80R80R80R80
64 yr 10 mo98.83%R80R80R80R80R80
64 yr 11 mo99.42%R80R80R80R80R80

Close to the line? Check whether you already meet the Rule of 80, since a single month can change your age on the retirement date (see when to retire), and see what one more year adds when it erases the cut.

Check before you decideThese factors come from the Texas Administrative Code tables TRS uses (34 TAC §29.11 and §29.12, effective Sept. 1, 2023), checked against the TRS Benefits Handbook. Your TRS retirement estimate is the final word: confirm your factor with TRS or your MyTRS account.

Questions

How much does TRS reduce your pension for retiring early?

If you don't meet the Rule of 80, the cut comes from TRS's actuarial table and can be as large as 53% at age 55. If you meet the Rule of 80 but are under your tier's minimum age, the cut is 5% for each year you are under 60 (Tiers 3 and 4) or 62 (Tiers 5 and 6).

Is the early retirement reduction permanent?

Yes. The reduced amount is your pension for life. It does not go back up when you reach your full-retirement age.

Do grandfathered members get a smaller reduction?

Yes. Grandfathered members in Tiers 1, 4 and 6 who retire at 55 or older with 20 to 24 years of service use a separate table with cuts of 10% or less.

Does TRS use my exact age?

Yes. The official tables have a row for every month of age, so the cut shrinks a little each month. This page shows whole years; the month-by-month table is further down.

See your own reduction →

Source: TRS Benefits Handbook, September 2025, pp. 26-31. Reduction factors: 34 TAC §29.11(b) and §29.12(a), effective Sept. 1, 2023. Last reviewed .