TXGuide live
Texas
TRS Texas
Teacher Retirement System of Texas
Five years generally establishes vestingStandard multiplier: 2.3%Eligibility varies by membership history
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Official handbooks are written for compliance. We turn them into detailed, source-linked guides, decision tables and calculators for teachers and public employees.
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18state systems covered
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Texas TRS standard annuity
Estimated gross standard annuity
$3,588/month$43,056 per year55.2% of average salary
$78,000×2.3%×24 years
i
This is an educational estimate, not a TRS benefit quote. It excludes payment-option reductions, account-specific salary rules, deductions and taxes.
Start with your system
Rules vary. Your guide shouldn’t.
Every system hub connects eligibility, formulas, service credit and exit decisions through a consistent topic architecture.
18 researched retirement-system hubs
CAGuide live
California
CalSTRS
California State Teachers’ Retirement System
Two main benefit structuresFormula uses service × age factor × payUnused sick leave may add service credit
Explore system →ILGuide live
Illinois
TRS Illinois
Teachers’ Retirement System of the State of Illinois
Tier depends on first contribution dateFormula generally uses 2.2%Maximum formula benefit is 75%
Explore system →NYGuide live
New York (excluding NYC)
NYSTRS
New York State Teachers' Retirement System
Five years generally establishes vestingTier is set by membership dateTier 6 added an age-58/30-year unreduced route in 2026
Explore system →NYGuide live
New York City
NYC TRS
Teachers' Retirement System of the City of New York
QPP is a 401(a) defined-benefit planTier depends on membership dateTDA is a separate optional savings program
Explore system →FLGuide live
Florida
Florida FRS
Florida Retirement System (Pension Plan & Investment Plan)
Pension Plan is defined benefitInvestment Plan is 401(a) defined contributionVesting is generally 8 years for members enrolled on/after July 1, 2011
Explore system →OHGuide live
Ohio
STRS Ohio
State Teachers Retirement System of Ohio
Three STRS Ohio plan optionsDB formula uses age, service and five-year FASAny-age 32-year unreduced route runs through May 1, 2035
Explore system →PAGuide live
Pennsylvania
PSERS
Public School Employees' Retirement System
New members since July 1, 2019 default to Class T-GT-G and T-H combine DB and DC componentsT-G DB vesting is generally 10 years
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Washington
Washington TRS
Washington State Teachers’ Retirement System
Eligible new teachers choose Plan 2 or Plan 3 within 90 days.No election by the deadline means Plan 2.Plan 3 pairs a smaller pension with an invested account.
Explore system →MIGuide live
Michigan
Michigan MPSERS
Michigan Public School Employees’ Retirement System
New hires from July 1, 2024 have 75 calendar days to choose.No election by the deadline defaults to Pension Plus 2.The election becomes irrevocable after selection or the deadline.
Explore system →NJGuide live
New Jersey
New Jersey TPAF
New Jersey Teachers’ Pension and Annuity Fund
Tier 4 eligibility fell between May 21, 2010 and June 28, 2011.Tier 5 eligibility begins June 28, 2011.Current tier is determined by eligibility date, not a choice.
Explore system →COGuide live
Colorado
Colorado PERA
Colorado Public Employees’ Retirement Association
Colorado public school district employees are automatically in the PERA DB Plan.PERAChoice does not apply to school district employees.Eligible state and selected local employees may choose DB or DC.
Explore system →VAGuide live
Virginia
Virginia VRS
Virginia Retirement System
Most teachers first eligible on or after January 1, 2014 enter Hybrid.Plan 2 generally covers members hired from July 1, 2010 through December 31, 2013.Plan 1 is a legacy membership group, not a new-hire choice.
Explore system →ALGuide live
Alabama
Alabama TRS
Teachers' Retirement System of Alabama
Tier is determined by prior Alabama RSA service, not an election.Tier 1 includes qualifying service before January 1, 2013.Tier 2 applies without earlier RSA service.
Explore system →MNGuide live
Minnesota
Minnesota TRA
Minnesota Teachers Retirement Association
Basic members are not covered by Social Security through TRA-covered teaching service.Coordinated members have Social Security coverage.New TRA members are in Coordinated, not a selectable Basic plan.
Explore system →TNGuide live
Tennessee
Tennessee TCRS
Tennessee Consolidated Retirement System
Full-time K-12 teacher hire date determines Legacy or Hybrid membership.Legacy applies before July 1, 2014; Hybrid starts on or after that date.Teachers do not choose between the two plans at enrollment.
Explore system →ORGuide live
Oregon
Oregon PERS
Oregon Public Employees Retirement System
Tier One started before 1996; Tier Two followed through August 28, 2003.OPSRP applies to qualifying members starting after August 28, 2003.Tier One and Tier Two are closed to new members.
Explore system →KYGuide live
Kentucky
Kentucky TRS
Teachers' Retirement System of the State of Kentucky
TRS 1, 2, and 3 are historical entry-date groups.TRS 4 applies to members entering on or after January 1, 2022.Teachers do not choose among account types.
Explore system →Texas TRS cluster
Answer the decision before filing the form.
Eight connected Texas guides cover eligibility, formulas, service credit, refunds, survivor options, reemployment and Social Security.
Browse Texas TRS →
Eligibility
Texas TRS Rule of 80: Retirement Age and Eligibility Explained
The Texas TRS Rule of 80 (age + years of service = 80) sets normal-age retirement. How the grandfather tiers, minimum age 60/62, and early-age retirement fit in.
Benefit formula
Texas TRS Retirement Formula: 2.3% x Years x Salary (with Example)
The TRS retirement formula is multiplier x years of service credit x final average salary. For Texas TRS the multiplier is 2.3%. A worked example, the exact inputs, and how early retirement changes it.
Early retirement
Texas TRS Early Retirement Reduction: How Much You Lose Per Year
How the Texas TRS early-age reduction works, why it can cut a lifetime annuity by a third or more, and why two teachers with equal service can get different results.
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