- 1
Find your group
From your membership date: Rule of 80, Rule of 90, Rule of 90, age 60. The cut-off dates are July 1, 1992 and November 1, 2011.
Member Handbook (2025), p. 10, When will I be eligible to retire?; 70 O.S. § 17-101(22)(a), (c); Member Handbook (2025), p. 10, When will I be eligible to retire?; 70 O.S. § 17-101(22)(a), (d); Member Handbook (2025), p. 10, When will I be eligible to retire?; 70 O.S. § 17-101(22)(b), (d); 70 O.S. § 17-105(A)(1) - 2
Count age and service
Age at retirement is the age attained at the last birthday, measured on the 10th of the retirement month if the birthday is on or before the 10th of that month, otherwise on the 1st of the month. Total creditable service is determined to the tenth of a year, rounded down. We add a year of service for each year from today to your retirement date (none if you've stopped working).
OAC 715:10-15-8 (rules eff. 9/1/25, p. 72) - 3
Check eligibility
Vested first (5 or 7 years of contributory service). Then a full benefit by age or by the Rule of 80 or 90 (age 60 minimum for the newest group), or early retirement from 55 or 60.
Member Handbook (2025), p. 9, How do I become vested in TRS of Oklahoma?; OAC 715:10-7-1 (rules eff. 9/1/25, p. 43); 70 O.S. § 17-105(B); Retirement Ready one-pager, Am I Eligible to Retire Early?; Member Handbook (2025), pp. 10-11 (factor table starts at age 60) - 4
Apply the formula
2% × service × final average salary ÷ 12. Years before July 1995 use the lesser of your salary and your cap; EESIP moves 2 capped years to your full salary for each whole year worked past your full-benefit date.
Member Handbook (2025), p. 12, How will my monthly benefit be computed at retirement?; 70 O.S. § 17-116.2(A)(2)(a); Member Handbook (2025), pp. 17-18, How are salary caps applied in the benefit calculation?; Member Handbook (2025), pp. 18-20, How does EESIP remove the salary caps?; OAC 715:10-15-7.2(c), (f) (rules eff. 9/1/25, pp. 71-72) - 5
Reduce for early retirement
Multiply by the handbook's factor for your whole age at retirement. Then the partial lump sum factor, if you choose one.
Member Handbook (2025), pp. 10-11, When will I be eligible for early retirement?; Member Handbook (2025), p. 24, PLSO factor table (ages 46-84) - 6
Show the options
The Maximum exactly; Options 1 to 3 only as TRS of Oklahoma's approximate ranges; Option 4 not offered on or after January 1, 2026.
OAC 715:10-15-10(3)-(5), 715:10-15-14 (rules eff. 9/1/25, pp. 73-74, 77); 70 O.S. § 17-105(J)(1)
Each step is explained in more detail in its own guide: which group, the benefit formula, early retirement and payment options. To run them on your own dates, use the TRS of Oklahoma calculator.
What the calculator doesn't cover
- Your final average salary and your salary-cap years. We use what you enter; TRS of Oklahoma figures them from its records.
- Exact amounts for Options 1, 2 and 3. TRS of Oklahoma publishes no factors.
- Early retirement before 55 with 30 years (no published factor), disability retirement and the supplemental benefit after a return to contributing work.
- Whether you meet every EESIP condition (employer type, the deficit payment for 1987-95).
- Future COLAs, which need a new law, and your retiree health premium.
- Income tax, and OU and OSU employees in the alternate retirement plan.
How we check the math
The calculator runs on a small engine that reads every rule from one data file, with a source for each. Automated tests check it against every worked example TRS of Oklahoma publishes in our sources, both reduction tables and the PLSO table (read from the handbook's text), the group and vesting dates, the COLA tiers and the HB 2288 waiting periods. The tests run every time the site is built.
| Example | Source shows | Our engine |
|---|---|---|
| Handbook p. 7: 35 years on $40,000 at 62Member Handbook (2025), p. 7 ($2,333 per month) | $2,333 | $2,333.33Match |
| Seminar: 20 years on $50,000Retirement seminar slides, slide 18 ($1,667 per month / $20,004 annual, rounded to whole dollars) | $1,667 | $1,666.67Match |
| Example 1, row 1: 5 years at $7,800Member Handbook (2025), p. 18, Example 1 | $65.00 | $65.00Match |
| Example 1, row 2: 16 years at $25,000Member Handbook (2025), p. 18, Example 1 | $666.67 | $666.67Match |
| Example 1, row 3: 9 years at $65,000Member Handbook (2025), p. 18, Example 1 | $975.00 | $975.00Match |
| Example 2, row 1: 21 years at $40,000Member Handbook (2025), p. 18, Example 2 | $1,400.00 | $1,400.00Match |
| Example 2, row 2: 9 years at $65,000Member Handbook (2025), p. 18, Example 2 | $975.00 | $975.00Match |
| Example 3, row 1: 11 years at $40,000Member Handbook (2025), p. 20, Example 3 | $733.33 | $733.33Match |
| Example 3, row 2: 10 years at $65,000Member Handbook (2025), p. 20, Example 3 | $1,083.33 | $1,083.33Match |
| Example 3, row 3: 14 years at $65,000Member Handbook (2025), p. 20, Example 3 | $1,516.67 | $1,516.67Match |
| Example 1 totalMember Handbook (2025), p. 18, Example 1 | $1,706.65 | $1,706.67Match |
| Example 2 totalMember Handbook (2025), p. 18, Example 2 | $2,375.00 | $2,375.00Match |
| Example 3 total (EESIP)Member Handbook (2025), p. 20, Example 3 | $3,333.33 | $3,333.33Match |
| Seminar: tiered benefit, 10 capped + 20 uncapped yearsRetirement seminar slides, slide 20 (whole dollars) | $2,334 | $2,333.33Match |
| Seminar: after five years of EESIPRetirement seminar slides, slide 22 | $2,917 | $2,916.67Match |
| 2026 COLA example 1, eligibility lost: 96 months, 3 suspended2026 COLA FAQ, p. 3 (Q7, Example 1) | 0% | 0%Match |
| 2026 COLA example 2, tier maintained: 100 months, 4 suspended2026 COLA FAQ, p. 3 (Q7, Example 2) | 3% | 3%Match |
The seminar slides round each piece to whole dollars, and Example 1's total uses a rounded salary, so we allow those differences. The PLSO example on the payment options page ($28,000, $56,000, $84,000) is our engine on the handbook's factor table, not a TRS of Oklahoma example.
Things to check with TRS of Oklahoma
The sources don't settle these points. Each is labeled "Check with TRS of Oklahoma" where it shows up on the site.
How age counts toward 80 or 90 points. OAC 715:10-15-8 says age is the age at the last birthday (measured on the 10th or 1st of the retirement month) and service is in tenths rounded down. The engine adds that whole-year age to service for the Rule of 80/90. TRS of Oklahoma may count age in years and months for the points test.
We add your age at your last birthday (measured the way TRS of Oklahoma does, on the 10th or the 1st of your retirement month) to your service in tenths of a year.
What would settle it: A TRS of Oklahoma estimate or rule showing how a fractional age is counted toward 80 or 90 points.
Early reduction between birthdays. The handbook's reduction table is by age only (to 62 or 65). It doesn't say whether a Rule of 90 member who is close to 90 points gets a smaller reduction, or whether factors are interpolated by months of age. The engine applies the whole-age factor from the table.
We use the factor for your whole age from the handbook table. We don't adjust for months or for being close to 80 or 90 points.
What would settle it: TRS of Oklahoma's Board-adopted early retirement factor table or a reduced-benefit estimate.
Retiring before 55 with 30 years. 70 O.S. § 17-105(A)(1) lets a pre-Nov. 2011 member with 30 years retire before 55, but no factor is published below 55. The engine marks it early with no amount.
We show you as able to retire, but we can't show an amount. Ask TRS of Oklahoma for an estimate.
What would settle it: TRS of Oklahoma confirmation and the factor used for retirements under 55.
Amounts for Options 1, 2 and 3. Option 1-4 factors aren't published; only approximate ranges (seminar slides). Payment options show no amounts.
We show only the approximate ranges from TRS of Oklahoma's seminar slides, labeled as approximations. Your Application to Retire packet has the real amounts.
What would settle it: TRS of Oklahoma's actuarial option factor tables (OAC 715:10-15-14) or a sample Application to Retire with all five plan amounts.
The exact health supplement. The handbook gives only '$100 - $105 depending on length of service and final average salary'. The exact schedule is in 74 O.S. § 1316.3(4), which OSCN blocked.
We show the $100 to $105 range only.
What would settle it: 74 O.S. § 1316.3 (see DOWNLOADS.md).
Salary caps for July 1979 to June 1987. The handbook lists caps for pre-July 1979 ($7,800/$10,000) and July 1987-June 1995 ($25,000/$40,000) only, and its examples apply $25,000/$40,000 to all of 7/79-6/95. The engine takes the member's capped years and cap from their TRS of Oklahoma statement (the 'Service Tier' totals) rather than deriving them by year.
We use the capped years and the cap you enter from your TRS of Oklahoma member service statement.
What would settle it: A full cap history (70 O.S. § 17-116.2A and earlier law) or a TRS of Oklahoma member service statement with tier totals.
The Oklahoma tax exemption at 65. The Fall 2026 Advisor states a $10,000 Oklahoma exemption; the COLA FAQ mentions a 'full exemption available to members age 65 and older' without a cite. Neither is a tax statute.
We quote TRS of Oklahoma's newsletter and FAQ only. Check with a tax advisor or the Oklahoma Tax Commission.
What would settle it: Oklahoma Tax Commission guidance or 68 O.S. § 2358 as currently in force.
The first day you can go back to work. The statute bars employment for '60 calendar days' / 'six (6) months' between the last day of pre-retirement employment and post-retirement employment. The engine treats the first allowed day as the day after the 60th day / the day after the same date 6 months later.
We count the first allowed day as the day after the 60th day, or the day after the same date six months later.
What would settle it: TRS of Oklahoma's worked example of the earliest return date under HB 2288.
Service on future dates. Earliest and full-benefit dates assume one year of creditable service per year worked around the retirement date. Teachers earn credit by school year and fractional FTE; the TRS of Oklahoma statement is the source of truth.
We add one year of service for each year you keep working. Your MyTRS service history is the real number.
What would settle it: The member's MyTRS service history.
Rounding. 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.
Where sources disagreed
- The handbook (provisions as of July 1, 2025) describes five plans including Option 4, and the seminar slides say five. TRS of Oklahoma rule 715:10-15-10(5) (eff. Sept. 1, 2025) says Option 4 is revoked Dec. 31, 2025 and unavailable from Jan. 1, 2026; the 'TRS of Oklahoma and YOU' one-pager (7.1.25) says 'four retirement plans'. Our engine marks Option 4 unavailable for retirement dates on or after Jan. 1, 2026. Member Handbook (2025), pp. 21, 23; OAC 715:10-15-10(5) (rules eff. 9/1/25, p. 74); Teachers' Retirement System and YOU one-pager, What are the Benefits of TRS of Oklahoma?
- The handbook (p. 29) still describes the 60-day break and the 36-month earnings limits. HB 2288 (effective July 1, 2026) made the break 6 months for retirements on or after July 1, 2026 and removed earnings limits for everyone from July 1, 2026. The later TRS of Oklahoma FAQ, one-pager and newsletter are followed. Member Handbook (2025), pp. 28-29; HB 2288 FAQ (2026), pp. 1-3; HB 2288 (2026), § 2, § 6
- 70 O.S. § 17-105(A)(1) opens with 'Any member who has attained age fifty-five (55) or who has completed thirty (30) years of creditable service ... may be retired'. TRS of Oklahoma's Retirement Ready one-pager says members first participating on or after Nov. 1, 2011 may retire early starting at age 60, and the handbook's post-Oct. 2011 factor table starts at 60. TRS of Oklahoma's reading (60) is followed. 70 O.S. § 17-105(A)(1); Retirement Ready one-pager; Member Handbook (2025), pp. 10-11
- For the Option 2 annuity in place of the $18,000 in-service death benefit, the statute requires 10 years and one designated beneficiary; the handbook and rule 715:10-9-3 also require that the member qualified for (service) retirement, and the handbook requires the same sole beneficiary for both the account and the death benefit. Facts follow the handbook. 70 O.S. § 17-105(P); OAC 715:10-9-3 (rules eff. 9/1/25, p. 47); Member Handbook (2025), p. 30
- Handbook Example 1's three rows ($65.00 + $666.67 + $975.00) add to $1,706.67, but the TOTALS line shows $1,706.65 because it uses a rounded FAS of $34,133 (the exact weighted average is $34,133.33). Our engine adds the tiers ($1,706.67) and the test records both. Member Handbook (2025), p. 18, Example 1
- Handbook Example 3 reuses Example 1's date labels: it shows 11 years under '7/74-6/79', 10 under '7/79-6/95' (moved to $65,000) and 14 under '7/95-6/04'. The arithmetic matches 21 capped pre-1995 years with 10 moved by 5 years of EESIP, plus 14 post-1995 years (9 + 5 more). Member Handbook (2025), p. 20, Example 3
- The handbook's eligibility section (p. 10) refers to salary caps 'see page 14'; the salary cap section is on pp. 17-18. Member Handbook (2025), pp. 10, 17
- The 2020 COLA counted time retired through July 1, 2020 (a July 1, 2018 retiree had 24 months and got 2%; a July 1, 2015 retiree had 60 and got 4%). The 2026 COLA counts through June 30, 2026 (a July 1, 2018 retiree has fewer than 96 months and gets 0%). Each COLA is encoded with its own count date. 2020 COLA FAQ, Q2-Q3; 2026 COLA FAQ, p. 1 table, p. 2 (Q3)
- The 2026 COLA FAQ (Q6) still describes post-retirement employment as 'working within the earnings limits set by law', which HB 2288 removed from July 1, 2026. 2026 COLA FAQ, p. 2 (Q6); HB 2288 FAQ (2026), p. 2
- The handbook says the notarized contract is due by the 1st of the month before retirement (p. 27). The Retirement Ready one-pager and seminar slides add that the Application to Retire is due 60 days and the contract 30 days before the retirement date. Both describe the same June 1 timeline (PIV Mar. 1, application Apr. 1, contract May 1). Member Handbook (2025), p. 27; Retirement Ready one-pager; Retirement seminar slides, slides 52-54
Retiring: the paperwork
Submit the Pre-Retirement Information Verification (PIV) no later than 90 days and no earlier than 24 months before eligibility; the signed, notarized contract is due by the 1st of the month before retirement (e.g. May 1 for June 1). Benefits are paid in arrears on the 1st of the next month. Member Handbook (2025), pp. 25, 27-28; Retirement Ready one-pager, Retirement Timeline Example
Sources
- TRS of Oklahoma Member Handbook Describing Plan Provisions as of July 1, 2025
- Teachers' Retirement System of Oklahoma Permanent Rules, OAC Title 715 Chapter 10 Effective September 1, 2025
- TRS of Oklahoma emergency rules, OAC 715:10 Subchapter 17, with Rule Impact Statement (HB 2288) 2026 (undated; follows HB 2288, effective July 1, 2026)
- Postretirement Employment Changes, Frequently Asked Questions, HB 2288 Effective July 1, 2026
- 2026 Cost of Living Adjustment (COLA): Information for Retired Members (SB 1144) 2026 legislative session
- TRS of Oklahoma 2020 COLA Frequently Asked Questions (HB 3350) 2020
- The Advisor (TRS of Oklahoma newsletter) Fall 2026
- Returning to Work After Retirement (one-pager) Plan provisions as of 7.1.26
- Teachers' Retirement System and YOU (one-pager) Plan provisions as of 7.1.25
- Retirement Ready: Retiring with TRS of Oklahoma (one-pager) Undated
- Retirement Eligibility and Options (TRS of Oklahoma seminar slides) Undated; quotes the CY 2024 Social Security earnings limit, so predates HB 2288
- Oklahoma Statutes, Title 70, Article XVII (Teachers' Retirement System): §§ 17-101, 17-105, 17-105.2, 17-116.2, 17-116.2B OSCN 2026 (17-101 and 17-105 last amended by Laws 2024, HB 2528, c. 300)
- Enrolled House Bill 2288 (2026), amending 70 O.S. § 17-116.10 Enrolled; § 2 effective July 1, 2026
- Enrolled Senate Bill 1144 (2026), new 70 O.S. § 17-116.23 (COLA) Enrolled; § 6 effective November 1, 2026
We cite the page number printed in the member handbook. Four Oklahoma Statutes sections (including 74 O.S. § 1316.3, the health supplement schedule) couldn't be downloaded; we rely on TRS of Oklahoma's own publications for those points. Last reviewed Nov. 12, 2026.
Source: Member Handbook, Teachers' Retirement System of Oklahoma, Plan provisions as of July 1, 2025, pp. 7, 9, 10, 10-11, 12, 17-18, 18-20, 18, 20, 24, 25, 27-28. Also: Retirement Ready one-pager; Retirement seminar slides; 2026 COLA FAQ; TRS of Oklahoma rules, OAC 715:10-7-1, 715:10-15-7.2, 715:10-15-8, 715:10-15-10; 70 O.S. §§ 17-101, 17-105, 17-116.2. Last reviewed .