Washington · Free tool
Washington TRS Retirement Calculator
Washington's Teachers' Retirement System (TRS), administered by the Department of Retirement Systems (DRS), calculates a Plan 2 benefit as 2% multiplied by your Average Final Compensation (AFC) multiplied by your years of service, adjusted for your retirement age. Enter your numbers below for a Plan 2 estimate.
Enter your numbers. The percentage is pre-filled with the Washington TRS Plan 2 factor; set it to 1 if you are a Plan 3 member.
TRS Plan 2 uses a 2% multiplier on your AFC (highest consecutive 60 months), with early-retirement reductions before age 65. TRS Plan 3 uses a 1% defined-benefit multiplier plus a separate investment (defined-contribution) account, set the percentage to 1 to estimate the Plan 3 pension side. Confirm with Washington DRS.
Your estimated Washington TRS pension
Updates as you type.
Educational estimate only, not financial advice. Uses a simplified Washington TRS formula and your inputs; your real benefit varies by plan, service, age, and salary rules.
How the Washington TRS formula works
For TRS Plan 2, Washington uses a 2% multiplier on your Average Final Compensation, the average of your highest consecutive 60 months of earnings. Normal retirement is age 65 with at least five years of service, and an early-retirement reduction applies if you draw your benefit sooner. TRS Plan 3 members earn a smaller 1% defined-benefit pension plus a separate investment account that they contribute to and direct.
Most teachers hired since 2007 default to Plan 3 unless they choose Plan 2, so check which plan you are in before relying on a number. This calculator estimates the defined-benefit side only; set the percentage to 1 for the Plan 3 pension and remember your Plan 3 investment account is separate. Washington teachers also pay into Social Security. 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 Washington TRS pension calculated?
Under TRS Plan 2 the benefit is 2% multiplied by your Average Final Compensation by your years of service, with an early-retirement reduction if you retire before age 65. For example, 30 years at a $70,000 AFC is 2% × $70,000 × 30 = $42,000 per year before any age reduction.
What is the difference between TRS Plan 2 and Plan 3?
Plan 2 is a full defined-benefit pension using a 2% multiplier. Plan 3 splits into a 1% defined-benefit pension plus a separate investment account that you fund. This tool estimates the defined-benefit side, so set the percentage to 1 to estimate the Plan 3 pension.
Do Washington teachers get Social Security?
Yes. Washington teachers pay into Social Security, so most receive a TRS benefit plus a Social Security benefit. Adding any 403(b) or 457(b) savings completes the picture.