TRS uses an actuarial table. The cut is steep at 55 and shrinks each month until 65.
See the table ↓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 ↓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.
| Age | 5-15 yrs | 16 yrs | 17 yrs | 18 yrs | 19 yrs | 20+ yrs |
|---|---|---|---|---|---|---|
| 55 | 47% | 47% | 47% | 47% | 47% | 47% |
| 56 | 51% | 51% | 51% | 51% | 51% | 51% |
| 57 | 55% | 55% | 55% | 55% | 55% | 55% |
| 58 | 59% | 59% | 59% | 59% | 59% | 59% |
| 59 | 63% | 63% | 63% | 63% | 63% | 63% |
| 60 | 67% | 67% | 67% | 67% | 67% | R80 |
| 61 | 73% | 73% | 73% | 73% | R80 | R80 |
| 62 | 80% | 80% | 80% | R80 | R80 | R80 |
| 63 | 87% | 87% | R80 | R80 | R80 | R80 |
| 64 | 93% | R80 | R80 | R80 | R80 | R80 |
bigger cut smaller cut R80 age + years reach 80, so this table no longer applies
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.
| Age | Years | Tier 3 | Tier 4 | Tier 5 | Tier 6 |
|---|---|---|---|---|---|
| 50 | 30 | 50% | 50% | 40% | 40% |
| 51 | 29 | 55% | 55% | 45% | 45% |
| 52 | 28 | 60% | 60% | 50% | 50% |
| 53 | 27 | 65% | 65% | 55% | 55% |
| 54 | 26 | 70% | 70% | 60% | 60% |
| 55 | 25 | 75% | No cut | 65% | No cut |
| 56 | 24 | 80% | No cut | 70% | No cut |
| 57 | 23 | 85% | No cut | 75% | No cut |
| 58 | 22 | 90% | No cut | 80% | No cut |
| 59 | 21 | 95% | No cut | 85% | No cut |
| 60 | 20 | Full | Full | 90% | No cut |
| 61 | 20 | Full | Full | 95% | 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.
| Age | 20 yrs | 21 yrs | 22 yrs | 23 yrs | 24 yrs |
|---|---|---|---|---|---|
| 55 | 90% | 92% | 94% | 96% | 98% |
| 56 | 92% | 94% | 96% | 98% | R80 |
| 57 | 94% | 96% | 98% | R80 | R80 |
| 58 | 96% | 98% | R80 | R80 | R80 |
| 59 | 98% | R80 | R80 | R80 | R80 |
Month-by-month factors, ages 55 to 64
TRS uses your age in years and months. Tap to open the full table (120 rows).
| Age | 5-15 yrs | 16 yrs | 17 yrs | 18 yrs | 19 yrs | 20+ yrs |
|---|---|---|---|---|---|---|
| 55 yr 0 mo | 47.00% | 47.00% | 47.00% | 47.00% | 47.00% | 47.00% |
| 55 yr 1 mo | 47.33% | 47.33% | 47.33% | 47.33% | 47.33% | 47.33% |
| 55 yr 2 mo | 47.67% | 47.67% | 47.67% | 47.67% | 47.67% | 47.67% |
| 55 yr 3 mo | 48.00% | 48.00% | 48.00% | 48.00% | 48.00% | 48.00% |
| 55 yr 4 mo | 48.33% | 48.33% | 48.33% | 48.33% | 48.33% | 48.33% |
| 55 yr 5 mo | 48.67% | 48.67% | 48.67% | 48.67% | 48.67% | 48.67% |
| 55 yr 6 mo | 49.00% | 49.00% | 49.00% | 49.00% | 49.00% | 49.00% |
| 55 yr 7 mo | 49.33% | 49.33% | 49.33% | 49.33% | 49.33% | 49.33% |
| 55 yr 8 mo | 49.67% | 49.67% | 49.67% | 49.67% | 49.67% | 49.67% |
| 55 yr 9 mo | 50.00% | 50.00% | 50.00% | 50.00% | 50.00% | 50.00% |
| 55 yr 10 mo | 50.33% | 50.33% | 50.33% | 50.33% | 50.33% | 50.33% |
| 55 yr 11 mo | 50.67% | 50.67% | 50.67% | 50.67% | 50.67% | 50.67% |
| 56 yr 0 mo | 51.00% | 51.00% | 51.00% | 51.00% | 51.00% | 51.00% |
| 56 yr 1 mo | 51.33% | 51.33% | 51.33% | 51.33% | 51.33% | 51.33% |
| 56 yr 2 mo | 51.67% | 51.67% | 51.67% | 51.67% | 51.67% | 51.67% |
| 56 yr 3 mo | 52.00% | 52.00% | 52.00% | 52.00% | 52.00% | 52.00% |
| 56 yr 4 mo | 52.33% | 52.33% | 52.33% | 52.33% | 52.33% | 52.33% |
| 56 yr 5 mo | 52.67% | 52.67% | 52.67% | 52.67% | 52.67% | 52.67% |
| 56 yr 6 mo | 53.00% | 53.00% | 53.00% | 53.00% | 53.00% | 53.00% |
| 56 yr 7 mo | 53.33% | 53.33% | 53.33% | 53.33% | 53.33% | 53.33% |
| 56 yr 8 mo | 53.67% | 53.67% | 53.67% | 53.67% | 53.67% | 53.67% |
| 56 yr 9 mo | 54.00% | 54.00% | 54.00% | 54.00% | 54.00% | 54.00% |
| 56 yr 10 mo | 54.33% | 54.33% | 54.33% | 54.33% | 54.33% | 54.33% |
| 56 yr 11 mo | 54.67% | 54.67% | 54.67% | 54.67% | 54.67% | 54.67% |
| 57 yr 0 mo | 55.00% | 55.00% | 55.00% | 55.00% | 55.00% | 55.00% |
| 57 yr 1 mo | 55.33% | 55.33% | 55.33% | 55.33% | 55.33% | 55.33% |
| 57 yr 2 mo | 55.67% | 55.67% | 55.67% | 55.67% | 55.67% | 55.67% |
| 57 yr 3 mo | 56.00% | 56.00% | 56.00% | 56.00% | 56.00% | 56.00% |
| 57 yr 4 mo | 56.33% | 56.33% | 56.33% | 56.33% | 56.33% | 56.33% |
| 57 yr 5 mo | 56.67% | 56.67% | 56.67% | 56.67% | 56.67% | 56.67% |
| 57 yr 6 mo | 57.00% | 57.00% | 57.00% | 57.00% | 57.00% | 57.00% |
| 57 yr 7 mo | 57.33% | 57.33% | 57.33% | 57.33% | 57.33% | 57.33% |
| 57 yr 8 mo | 57.67% | 57.67% | 57.67% | 57.67% | 57.67% | 57.67% |
| 57 yr 9 mo | 58.00% | 58.00% | 58.00% | 58.00% | 58.00% | 58.00% |
| 57 yr 10 mo | 58.33% | 58.33% | 58.33% | 58.33% | 58.33% | 58.33% |
| 57 yr 11 mo | 58.67% | 58.67% | 58.67% | 58.67% | 58.67% | 58.67% |
| 58 yr 0 mo | 59.00% | 59.00% | 59.00% | 59.00% | 59.00% | 59.00% |
| 58 yr 1 mo | 59.33% | 59.33% | 59.33% | 59.33% | 59.33% | 59.33% |
| 58 yr 2 mo | 59.67% | 59.67% | 59.67% | 59.67% | 59.67% | 59.67% |
| 58 yr 3 mo | 60.00% | 60.00% | 60.00% | 60.00% | 60.00% | 60.00% |
| 58 yr 4 mo | 60.33% | 60.33% | 60.33% | 60.33% | 60.33% | 60.33% |
| 58 yr 5 mo | 60.67% | 60.67% | 60.67% | 60.67% | 60.67% | 60.67% |
| 58 yr 6 mo | 61.00% | 61.00% | 61.00% | 61.00% | 61.00% | 61.00% |
| 58 yr 7 mo | 61.33% | 61.33% | 61.33% | 61.33% | 61.33% | 61.33% |
| 58 yr 8 mo | 61.67% | 61.67% | 61.67% | 61.67% | 61.67% | 61.67% |
| 58 yr 9 mo | 62.00% | 62.00% | 62.00% | 62.00% | 62.00% | 62.00% |
| 58 yr 10 mo | 62.33% | 62.33% | 62.33% | 62.33% | 62.33% | 62.33% |
| 58 yr 11 mo | 62.67% | 62.67% | 62.67% | 62.67% | 62.67% | 62.67% |
| 59 yr 0 mo | 63.00% | 63.00% | 63.00% | 63.00% | 63.00% | 63.00% |
| 59 yr 1 mo | 63.33% | 63.33% | 63.33% | 63.33% | 63.33% | 63.33% |
| 59 yr 2 mo | 63.67% | 63.67% | 63.67% | 63.67% | 63.67% | 63.67% |
| 59 yr 3 mo | 64.00% | 64.00% | 64.00% | 64.00% | 64.00% | 64.00% |
| 59 yr 4 mo | 64.33% | 64.33% | 64.33% | 64.33% | 64.33% | 64.33% |
| 59 yr 5 mo | 64.67% | 64.67% | 64.67% | 64.67% | 64.67% | 64.67% |
| 59 yr 6 mo | 65.00% | 65.00% | 65.00% | 65.00% | 65.00% | 65.00% |
| 59 yr 7 mo | 65.33% | 65.33% | 65.33% | 65.33% | 65.33% | 65.33% |
| 59 yr 8 mo | 65.67% | 65.67% | 65.67% | 65.67% | 65.67% | 65.67% |
| 59 yr 9 mo | 66.00% | 66.00% | 66.00% | 66.00% | 66.00% | 66.00% |
| 59 yr 10 mo | 66.33% | 66.33% | 66.33% | 66.33% | 66.33% | 66.33% |
| 59 yr 11 mo | 66.67% | 66.67% | 66.67% | 66.67% | 66.67% | 66.67% |
| 60 yr 0 mo | 67.00% | 67.00% | 67.00% | 67.00% | 67.00% | R80 |
| 60 yr 1 mo | 67.50% | 67.50% | 67.50% | 67.50% | 67.50% | R80 |
| 60 yr 2 mo | 68.00% | 68.00% | 68.00% | 68.00% | 68.00% | R80 |
| 60 yr 3 mo | 68.50% | 68.50% | 68.50% | 68.50% | 68.50% | R80 |
| 60 yr 4 mo | 69.00% | 69.00% | 69.00% | 69.00% | 69.00% | R80 |
| 60 yr 5 mo | 69.50% | 69.50% | 69.50% | 69.50% | 69.50% | R80 |
| 60 yr 6 mo | 70.00% | 70.00% | 70.00% | 70.00% | 70.00% | R80 |
| 60 yr 7 mo | 70.50% | 70.50% | 70.50% | 70.50% | 70.50% | R80 |
| 60 yr 8 mo | 71.00% | 71.00% | 71.00% | 71.00% | 71.00% | R80 |
| 60 yr 9 mo | 71.50% | 71.50% | 71.50% | 71.50% | 71.50% | R80 |
| 60 yr 10 mo | 72.00% | 72.00% | 72.00% | 72.00% | 72.00% | R80 |
| 60 yr 11 mo | 72.50% | 72.50% | 72.50% | 72.50% | 72.50% | R80 |
| 61 yr 0 mo | 73.00% | 73.00% | 73.00% | 73.00% | R80 | R80 |
| 61 yr 1 mo | 73.58% | 73.58% | 73.58% | 73.58% | R80 | R80 |
| 61 yr 2 mo | 74.17% | 74.17% | 74.17% | 74.17% | R80 | R80 |
| 61 yr 3 mo | 74.75% | 74.75% | 74.75% | 74.75% | R80 | R80 |
| 61 yr 4 mo | 75.33% | 75.33% | 75.33% | 75.33% | R80 | R80 |
| 61 yr 5 mo | 75.92% | 75.92% | 75.92% | 75.92% | R80 | R80 |
| 61 yr 6 mo | 76.50% | 76.50% | 76.50% | 76.50% | R80 | R80 |
| 61 yr 7 mo | 77.08% | 77.08% | 77.08% | 77.08% | R80 | R80 |
| 61 yr 8 mo | 77.67% | 77.67% | 77.67% | 77.67% | R80 | R80 |
| 61 yr 9 mo | 78.25% | 78.25% | 78.25% | 78.25% | R80 | R80 |
| 61 yr 10 mo | 78.83% | 78.83% | 78.83% | 78.83% | R80 | R80 |
| 61 yr 11 mo | 79.42% | 79.42% | 79.42% | 79.42% | R80 | R80 |
| 62 yr 0 mo | 80.00% | 80.00% | 80.00% | R80 | R80 | R80 |
| 62 yr 1 mo | 80.58% | 80.58% | 80.58% | R80 | R80 | R80 |
| 62 yr 2 mo | 81.17% | 81.17% | 81.17% | R80 | R80 | R80 |
| 62 yr 3 mo | 81.75% | 81.75% | 81.75% | R80 | R80 | R80 |
| 62 yr 4 mo | 82.33% | 82.33% | 82.33% | R80 | R80 | R80 |
| 62 yr 5 mo | 82.92% | 82.92% | 82.92% | R80 | R80 | R80 |
| 62 yr 6 mo | 83.50% | 83.50% | 83.50% | R80 | R80 | R80 |
| 62 yr 7 mo | 84.08% | 84.08% | 84.08% | R80 | R80 | R80 |
| 62 yr 8 mo | 84.67% | 84.67% | 84.67% | R80 | R80 | R80 |
| 62 yr 9 mo | 85.25% | 85.25% | 85.25% | R80 | R80 | R80 |
| 62 yr 10 mo | 85.83% | 85.83% | 85.83% | R80 | R80 | R80 |
| 62 yr 11 mo | 86.42% | 86.42% | 86.42% | R80 | R80 | R80 |
| 63 yr 0 mo | 87.00% | 87.00% | R80 | R80 | R80 | R80 |
| 63 yr 1 mo | 87.50% | 87.50% | R80 | R80 | R80 | R80 |
| 63 yr 2 mo | 88.00% | 88.00% | R80 | R80 | R80 | R80 |
| 63 yr 3 mo | 88.50% | 88.50% | R80 | R80 | R80 | R80 |
| 63 yr 4 mo | 89.00% | 89.00% | R80 | R80 | R80 | R80 |
| 63 yr 5 mo | 89.50% | 89.50% | R80 | R80 | R80 | R80 |
| 63 yr 6 mo | 90.00% | 90.00% | R80 | R80 | R80 | R80 |
| 63 yr 7 mo | 90.50% | 90.50% | R80 | R80 | R80 | R80 |
| 63 yr 8 mo | 91.00% | 91.00% | R80 | R80 | R80 | R80 |
| 63 yr 9 mo | 91.50% | 91.50% | R80 | R80 | R80 | R80 |
| 63 yr 10 mo | 92.00% | 92.00% | R80 | R80 | R80 | R80 |
| 63 yr 11 mo | 92.50% | 92.50% | R80 | R80 | R80 | R80 |
| 64 yr 0 mo | 93.00% | R80 | R80 | R80 | R80 | R80 |
| 64 yr 1 mo | 93.58% | R80 | R80 | R80 | R80 | R80 |
| 64 yr 2 mo | 94.17% | R80 | R80 | R80 | R80 | R80 |
| 64 yr 3 mo | 94.75% | R80 | R80 | R80 | R80 | R80 |
| 64 yr 4 mo | 95.33% | R80 | R80 | R80 | R80 | R80 |
| 64 yr 5 mo | 95.92% | R80 | R80 | R80 | R80 | R80 |
| 64 yr 6 mo | 96.50% | R80 | R80 | R80 | R80 | R80 |
| 64 yr 7 mo | 97.08% | R80 | R80 | R80 | R80 | R80 |
| 64 yr 8 mo | 97.67% | R80 | R80 | R80 | R80 | R80 |
| 64 yr 9 mo | 98.25% | R80 | R80 | R80 | R80 | R80 |
| 64 yr 10 mo | 98.83% | R80 | R80 | R80 | R80 | R80 |
| 64 yr 11 mo | 99.42% | R80 | R80 | R80 | R80 | R80 |
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.
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.
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 .