Check with TRS of GeorgiaEstimate only, not an official benefit amount. Confirm with TRS of Georgia ((404) 352-6500) before you decide.
Your estimated monthly check
Fill in the form and we'll show your monthly pension, the first day you get it with no early cut, and what working longer would add.
Your early cut, worked out
Your road to a full pension
Retire as planned, or work longer?
Your check at every age
Partial Lump-Sum Option (PLOP)
Your cost-of-living increases
Common questions
How is a TRS of Georgia pension calculated?
2% × your years of service × your final average salary, the monthly average of your 2 highest years in a row. In TRS of Georgia's own sample, 30 years and a $5,833.33 monthly average pay $3,500.00 a month.
When can I retire from TRS of Georgia?
With a full pension after 30 years at any age, or at 60 with 10 years. With 25 years you can retire before 60 with a reduced pension.
How much does retiring early cost?
TRS of Georgia works out two cuts and uses the smaller one: 7/12 of 1% for each month you're under 60, or 7% for each year (or part) you're short of 30 years. At 55 with 27 years that's 35% or 21%, so the cut is 21%, for life.
What is the PLOP?
The Partial Lump-Sum Option lets you take 1 to 36 months of your Maximum Plan check as cash when you retire, in exchange for a smaller check for life. It's only for a full (not early) retirement.
Do TRS of Georgia retirees get raises?
TRS of Georgia may grant a 1.5% cost-of-living adjustment each January 1 and July 1, based on prices. It isn't automatic.
Is this the official TRS of Georgia calculator?
No. This is an unofficial estimate built from the TRS of Georgia Member's Guide. It isn't affiliated with TRS of Georgia. Your TRS of Georgia online account has official estimates, and TRS of Georgia decides your benefit.
Compare Georgia with other states
- States where teachers don't get Social Security
- Teacher DROP plans by state: No. TRS of Georgia's guide describes no DROP.
- Teacher pension COLAs by state: 1.5% each January 1 and July 1, but not automatic: only if average prices (CPI) are at least where they were when you retired.
- State taxes on teacher pensions, by state: Georgia taxes it, but at 65+ up to $65,000 of retirement income can be excluded ($35,000 at 62-64).
- Teacher pension multipliers by state: 2% × years of service × average of your 2 highest years in a row. Up to 40 years count.
- Teacher retirement age by state: 30 years of service at any age, or age 60 with 10 years.
Plain-English guides
How your pension works
One plan for everyoneNo tiers: who joins, what you pay in, and the two dates that matter.→The pension formula2% × years × your 2-year average salary, with TRS of Georgia's own example.→Retiring earlyThe 25-year option and the smaller-of-two-cuts rule, worked out.→Buying service and sick leaveService you can buy, Air Time, and the sick leave conversion chart.→TRS of Georgia glossaryPlain-English definitions of the TRS of Georgia terms you'll run into.→
Planning your exit
After you retire
Working after retirementThe 1-month break, the 49% limit, hour limits and SB 150.→COLA: 1.5% twice a yearWhen your first increase comes, and the wait for early retirees.→Health insurance in retirement (SHBP)What TRS of Georgia does and doesn't do, and who to call.→Death and survivor benefitsWhat your family receives before and after you retire.→
More calculators
Some states have a DROP program. The TRS of Georgia Member's Guide doesn't describe one. The closest thing is the Partial Lump-Sum Option at retirement: see PLOP.
Source: Teachers Retirement System of Georgia Member's Guide, 06/26, pp. 3, 5, 6, 13, 14, 15, 17, 18, 21, 22; Pre-Retirement Handout p. 4. Last reviewed .