Georgia · Free tool
Georgia TRS Pension Calculator
The Teachers Retirement System of Georgia (TRS) calculates your pension as 2% multiplied by your years of creditable service multiplied by the average of your two highest consecutive years of salary. Enter your numbers below for an estimate.
Enter your numbers. The percentage is pre-filled with the Georgia TRS factor that fits most members; adjust it for your tier or plan.
Georgia TRS uses the average of your 2 highest consecutive years (24 months) of salary, and caps creditable service at 40 years (80% maximum). Large late-career raises may be limited by law. Confirm your numbers with TRS of Georgia.
Your estimated Georgia TRS pension
Updates as you type.
Educational estimate only, not financial advice. Uses a simplified Georgia TRS formula and your inputs; your real benefit varies by tier, plan, service, and salary rules.
How the Georgia TRS formula works
Georgia TRS uses a 2% benefit factor: 2% per year of creditable service, multiplied by the average of your 24 highest consecutive months of salary. After 30 years, that is 60% of your two-year average salary; after 40 years (the service cap), it reaches 80%.
The salary in the formula is the average of your two highest consecutive years, not necessarily your last years worked. Georgia law can limit large late-career salary increases used in the calculation. Most Georgia teachers do not pay into Social Security through their teaching position, so the TRS pension is the centerpiece of their retirement. Use the full Teacher Retirement Calculator to combine your pension with your 403(b)/457(b) and Social Security, or read what the WEP and GPO repeal means for teachers.
Questions
How is a Georgia TRS pension calculated?
Georgia TRS multiplies 2% by your years of creditable service by the average of your two highest consecutive years of salary. For example, 30 years at an $70,000 two-year average is 2% × 30 × $70,000 = $42,000 per year, or about 60% of that salary.
What is the maximum Georgia TRS pension?
Creditable service is capped at 40 years, so the maximum benefit is 2% × 40 = 80% of your two highest consecutive years' average salary. Salary increases above what Georgia law allows in your final years may also be limited in the calculation.
Do Georgia teachers receive Social Security?
Most Georgia public school teachers do not pay into Social Security through their teaching job, so the TRS pension is their main retirement income. If you earned Social Security elsewhere, the WEP and GPO reductions were repealed in January 2025, so you keep your full benefit alongside your pension.