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Teacher Retirement Calculator

A teacher retirement calculator estimates a monthly pension from a state system's formula for years of service and final average salary.

When could I retire, and what would my pension be?

The pension system that covers your school. Pick Other state to type your own plan's multiplier and Rule of N.

Your age today, in whole years. We accept 22 to 70.

The years of service you have already earned in this system, in whole years. Type 0 if you start this year. We accept 0 to 45.

Your pay for a year before taxes, as a plain number like 60000, with no dollar sign or commas. We accept $0 to $500,000.

More options

How much your pay grows each year, as a percent. Type 0 to hold your pay flat. We accept 0 to 10.

The age you want the pension for. Leave it blank to see the earliest age with no reduction. It has to be above your age now. The most we accept is 80.

A tier is a group of members who started in the same period and follow the same rules. We pick yours from the year you started. Change it here if your system placed you differently.

How Does the Teacher Retirement Calculator Work?

The calculator reads your system's rules for your tier and works out the monthly amount at each age that pays a pension. In the formula, the multiplier is the percent of final average salary the system pays for each year of service.

monthly pension = multiplier × years of service × final average salary ÷ 12

  1. Your tier comes from the year you started, which is 2026 minus the years you have taught. If your system placed you in another tier, pick it in More options.
  2. Service counts whole years: the years you have taught plus one for each year until you retire.
  3. Final average salary is the average of your highest-paid years. The count depends on the system and the tier: TRS Texas Tier 5 averages 5 years, and Other state lets you set 1 to 10 years. Your pay is held flat unless you set a yearly raise.
  4. The percent comes from the multiplier and your years of service. Some plans cap the percent, the pay counted or the years counted, and a few raise the multiplier with age or service.
  5. An age has no reduction when it meets one of the system's rules: a retirement age, a number of years of service, or a Rule of N. Ages that do not are reduced where the system publishes how. Some take a set percent for each year under an age, some a percent for each month before a target date, some use a published table, and some build the reduction into a multiplier that rises with age.
  6. Where a system reduces an early pension and we do not have the reduction, the bar says Reduced; see the system and shows no number. A tier we have no numbers for says See the system at every age.
  7. The result is an estimate. Cost-of-living adjustments, purchased service, unused sick leave, payout options and the defined contribution part of hybrid plans are not included.
TRS Texas, Tier 5, 10 years taught, $60,000 salary: the estimated monthly pension at each retirement age. Your pay is held flat.
Retire atYears of serviceMonthly pensionWhat applies
5328$1,771Reduced 45%
5429$2,001Reduced 40%
5530$2,243Reduced 35%
5631$2,496Reduced 30%
5732$2,760Reduced 25%
5833$3,036Reduced 20%
5934$3,324Reduced 15%
6035$3,623Reduced 10%
6136$3,933Reduced 5%
6237$4,255Full pension
6338$4,370Full pension
6439$4,485Full pension
6540$4,600Full pension
6641$4,715Full pension
6742$4,830Full pension

The Rule of 80, 85 and 90 for Teachers

What Is the Rule of 80 for TRS?

The Rule of 80 for TRS is the TRS Texas rule that lets a member retire with no reduction once age plus years of service reaches 80. In Tiers 5 and 6, for members who started on or after June 1 2010, it also needs age 62. Tiers 3 and 4 need age 60, and Tiers 1 and 2 have no age floor. In Tier 5 the pension falls 5% for each year under 62. Rapunzl's calculator finds 62 with 37 years for the default teacher: 85.1% of $60,000, or $4,255 a month.

What Is the Rule of 85?

The Rule of 85 lets a teacher retire with no reduction once age plus years of service reaches 85. Indiana TRF also requires age 55 and 10 years of service, and it pays in full at 65 with 10 years or at 60 with 15 years. The pension is 1.1% of final average salary for each year of service. Rapunzl's calculator reaches 85 at 55 with 30 years for the default teacher: 33% of $60,000, or $1,650 a month for the pension part.

What Is the Rule of 90 for Retirement?

The Rule of 90 for retirement lets a member retire with no reduction once age plus years of service equals 90. Virginia's VRS applies it in Plan 2 and the Hybrid Plan with at least 5 years of service, and also pays in full at Social Security full retirement age with 5 years of service. Pennsylvania's PSERS uses 92 and 97, each with 35 years. Rapunzl's calculator finds 58 with 33 years for the default Hybrid teacher: $1,650 a month.

How Is a Teacher Pension Calculated?

A teacher pension is calculated by multiplying a percent for each year of service by the years of service and by final average salary. TRS Texas Tier 5 pays 2.3% a year, so 37 years is 85.1% of a $60,000 average, or $4,255 a month. The average covers the highest 5 years. Some plans cap the percent, the pay counted or the years counted, and retiring before the full-pension age cuts the result. Rapunzl's calculator applies each system's own rules.

When Can I Retire as a Teacher?

A teacher can retire when the system's age and service rules are met, and those rules depend on the system and the tier. For a teacher who starts at 25 and teaches every year, the first age with no reduction runs from 55 to 67 across the 13 plans in Rapunzl's calculator. TRS Texas Tier 5 reaches it at 62, and earlier ages are allowed with a reduction of 5% for each year under 62.

Questions about the teacher retirement calculator

The Rule of 85 is a retirement rule that lets a teacher retire with no reduction once age plus years of service adds up to 85. In Indiana TRF the teacher must also be 55 or older with 10 years of service. A teacher who is 35 with 10 years taught and keeps teaching reaches 85 at 55, with 30 years. At 1.1% for each year, that is 33% of final average salary, about $1,650 a month on $60,000. The calculator's Other state choice lets you try a Rule of 85 with any multiplier.

The Rule of 80 for TRS is the TRS Texas rule that lets a member retire when age plus years of service reaches 80. In Tier 5 the member must also be 62, and retiring earlier cuts the pension 5% for each year under 62. The default teacher, 35 with 10 years taught and a $60,000 salary, reaches 80 at 62 and gets about $4,255 a month, which is 85.1% of final average salary. At 55 the same teacher would get about $2,243 a month.

The Rule of 90 for retirement is a rule that lets a member retire with no reduction when age plus years of service equals 90. Virginia's VRS applies it to Plan 2 and the Hybrid Plan, with at least 5 years of service. A Hybrid teacher who is 35 with 10 years taught and keeps teaching passes 90 at 58, with 33 years. At 1% for each year, the pension part is 33% of final average salary, about $1,650 a month on $60,000.

A teacher pension is calculated as a percent for each year of service, times the years of service, times final average salary. For the default TRS Texas teacher, 2.3% a year times 37 years is 85.1%, and 85.1% of a $60,000 average is $51,060 a year, or $4,255 a month. Other systems use other percents, average a different number of years and reduce the pension for retiring early.

A teacher can retire at the age the system's rules allow, and the age depends on the system and the tier. In TRS Texas Tier 5, the default teacher can retire with no reduction at 62, or at 55 with a 35% reduction. Across the 13 plans in the calculator, a teacher who starts at 25 and teaches every year reaches a pension with no reduction between 55 and 67.

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Sources. CalSTRS: California, official calculator. TRS Texas: Texas, home page. NYSTRS: New York, home page. FRS: Florida, home page. TRS Illinois: Illinois, home page. CTPF: Illinois, official calculator. PSERS: Pennsylvania, official calculator. STRS Ohio: Ohio, home page. TRS Georgia: Georgia, official calculator. TSERS: North Carolina, home page. TPAF: New Jersey, home page. Indiana TRF: Indiana, official calculator. VRS: Virginia, official calculator. PSERS Classes T-G and T-H: Pennsylvania, official calculator. Rules last checked October 17 2026.

Your system's own estimate or member statement is the official number. These links go to each system's official calculator or home page.

Estimates use whole years of service and the rules for 2026. Pay is held flat unless you set a yearly raise, and the tier comes from the year you started. Cost-of-living adjustments, purchased service, unused sick leave, early-retirement incentives, payout options and the defined contribution part of hybrid plans are not included, and pensions are shown before taxes.

This calculator is for learning. It is not financial or retirement advice. Each system's rules can change, and its own statement decides what you are paid.

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