Check with TRS of OklahomaEstimate only, not an official benefit amount. Confirm with TRS of Oklahoma ((405) 521-2387) before you decide.
Your estimated monthly check
Fill in the form and we'll show your group (Rule of 80 or 90), your points, any early-retirement reduction, the date you reach a full benefit, your Maximum Option and the other options, and what working longer would add.
Your Rule of 80 or 90
Your road to a full benefit
Retire as planned, or work longer?
Your check at every age
Amounts for Options 1, 2 and 3 are labeled "Check with TRS of Oklahoma": TRS of Oklahoma doesn't publish their factors.
The handbook's own examples
TRS of Oklahoma's member handbook works these examples. Tap one to load it into the calculator.
- Handbook p. 7: age 62, 35 years, $40,000: the handbook shows $2,333 a month; our calculator gives $2,333.33. Member Handbook (2025), p. 7 ($2,333 per month)
- Handbook Example 1: 30 years, $25,000 low base: the handbook shows $1,706.65 a month; our calculator gives $1,706.67. Member Handbook (2025), p. 18, Example 1
- Handbook Example 2: same member, $40,000 high base: the handbook shows $2,375.00 a month; our calculator gives $2,375.00. Member Handbook (2025), p. 18, Example 2
- Handbook Example 3: five more years with EESIP: the handbook shows $3,333.33 a month; our calculator gives $3,333.33. Member Handbook (2025), p. 20, Example 3
Example 1's rows add to $1,706.67; the handbook's total line shows $1,706.65 because it multiplies a rounded blended salary of $34,133. See Salary caps and EESIP.
Rounding Check with TRS of Oklahoma
TRS of Oklahoma examples round each tier to cents (handbook) or to whole dollars (slides); no rounding rule is stated. The engine rounds the monthly total to cents.
We round the monthly total to the cent. TRS of Oklahoma's examples round each piece to cents or whole dollars, so ours can differ by a few cents.
What would settle it: A TRS of Oklahoma estimate showing intermediate amounts.
Common questions
How is a TRS of Oklahoma pension calculated?
2% × your years of service × your final average salary, divided by 12, for the monthly Maximum Option. Retiring before full eligibility cuts it by an early-retirement factor. Years before July 1, 1995 may use a salary cap.
What are the Rule of 80 and the Rule of 90?
Your age plus your years of service. Joined before July 1, 1992: a full benefit at 62 or at 80 points. Joined from then through October 31, 2011: at 62 or 90 points. Joined on or after November 1, 2011: at 65, or 90 points once you're at least 60.
How early can I retire?
With a reduced benefit from age 55 if you joined before November 1, 2011, or from 60 if you joined later. At 55 you keep 55.96% of your benefit; at 60 under the newer table, 65%.
Can I still choose Option 4?
No, not for retirement dates on or after January 1, 2026. TRS of Oklahoma's rules revoked it at the end of 2025. The Maximum Option and Options 1, 2 and 3 remain.
Does TRS of Oklahoma have a COLA?
Not an automatic one. Retirees get an increase only when the Legislature passes a law for it. The 2026 law (SB 1144) gave 3% or 6% to members retired at least 8 years by June 30, 2026.
Is this the official TRS of Oklahoma calculator?
No. This is an unofficial estimate built from the Teachers' Retirement System of Oklahoma's member handbook, its rules, its 2026 FAQs and state law. It isn't affiliated with TRS of Oklahoma. MyTRS has your official estimate. TRS of Oklahoma's phone number is (405) 521-2387.
Compare Oklahoma with other states
- States where teachers don't get Social Security: Oklahoma teachers may take part in Social Security on a district basis, in addition to TRS.
- Teacher DROP plans by state: No. TRS of Oklahoma has no DROP. EESIP is its incentive to keep working, for members with capped pre-1995 service.
- Teacher pension COLAs by state: No automatic COLA. Only a law can grant one. The 2026 law gave 3% or 6% to those retired at least 8 years.
- State taxes on teacher pensions, by state: The first $10,000 of your pension each year is exempt from Oklahoma income tax, says TRS of Oklahoma.
- Teacher pension multipliers by state: 2% × years × average salary: your highest 3 years if you joined before July 1992, best 5 in a row if later.
- Teacher retirement age by state: Joined before July 1992: 62, or age + years = 80. Joined since Nov. 2011: 65, or age + years = 90 from age 60.
Plain-English guides
How your pension works
Rule of 80 or Rule of 90?Your membership date decides your group, the age for a full benefit, and the age-60 floor for members who joined after October 2011.→The benefit formula2% × service × final average salary, how your salary and service are counted, and the handbook's example.→Early retirement reductionsWhat you keep at each age from 55 or 60, from the handbook's two reduction tables.→Salary caps and EESIPPre-1995 service on a $25,000 or $40,000 cap, and how EESIP wears the caps away, with the handbook's examples.→Buying service creditPrior Oklahoma, substitute, military and out-of-state service: what you can buy and what a year adds.→TRS of Oklahoma glossaryPlain-English definitions of the Rule of 90, EESIP, the PLSO, pop-up and other terms.→
Planning your exit
Leaving: refund or wait?When you can withdraw your contributions, the interest you get, and retiring later if you're vested.→Taxes on your pensionFederal tax, the Oklahoma exemption TRS of Oklahoma describes, and taxes on the lump sum.→TRS of Oklahoma and Social SecurityDistrict coverage, the earnings test and full retirement age.→
After you retire
Working after retirementHB 2288 from July 1, 2026: a 6-month wait and no earnings limit.→The 2026 COLANo automatic COLA. SB 1144's 3% and 6% tiers, the FAQ examples and the 2020 COLA.→Retiree health supplement$100 to $105 a month toward your retiree insurance with 10 or more years.→Death and survivor benefitsThe $18,000 and $5,000 death benefits and the lifetime annuity a beneficiary can choose instead.→
More calculators
TRS of Oklahoma has no DROP (deferred retirement option plan): none appears in its handbook. The incentive to keep working is EESIP, for members with capped years before July 1995. Member Handbook (2025), pp. 18-20 (EESIP); table of contents pp. 2-3 (no DROP) These pages cover TRS of Oklahoma members in Rule of 80, Rule of 90 and Rule of 90, age 60 groups. OU and OSU employees may be in an alternate plan; ask your HR department. Member Handbook (2025), p. 7, Who is eligible to participate in the 401(a) plan?; Teachers' Retirement System and YOU one-pager, How Do I Vest in TRS of Oklahoma?
Source: Member Handbook, Teachers' Retirement System of Oklahoma, Plan provisions as of July 1, 2025, pp. 6-7, 7, 9, 10, 10-11, 12, 18, 18-20, 20, 23. Also: Retirement seminar slides; Teachers' Retirement System and YOU one-pager; TRS of Oklahoma rules, OAC 715:10-1-6, 715:10-7-1, 715:10-15-8, 715:10-15-10; 70 O.S. §§ 17-101, 17-105, 17-116.2. Last reviewed .