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Retirement Planning

Planning Your Retirement

Retiring can be a simple process if you plan ahead.  This section of the TRS Website helps you to decide the right time for you to retire and what retirement option is best for you. The menu options on the left side of your page provide the following information:

Eligibility Requirements – Describes TRS retirement eligibility requirements for normal age, early age, and disability retirements.

Things to do Before Retirement – If you are a member nearing retirement this information will help you prepare for a smooth transition.

Annuity Payment Options – Describes the TRS Standard Annuity as well as five optional forms of annuity available from TRS. 

Checklist for Retiring Members (pdf) – After you have requested and received your retirement packet, this checklist may be useful to complete the retirement application process.

Retirement Deadlines Chart – Provides information regarding the date your employment must be terminated, the deadline for filing your retirement application, and the deadline for payment of additional service credit. 

Retirement Estimate Calculator Instructions – Provides information to help you choose the correct retirement estimate calculator and lists some information you will need to have available to use the calculator.

Retirement Estimate Calculators – This page contains two types of calculators to help you estimate your retirement annuity.

  • You will find calculators that do not require a password.  They enable you to estimate your years of service credit, age at retirement, highest average salaries, etc.
  • You will also find the TRS Online Calculator, which does require a password.  The advantage of this calculator is that it automatically imports current data from your TRS computer records such as your years of service credit, highest average salaries, etc.

Withholding Calculator – This calculator is for estimating the federal income tax to be withheld from your annuity.  You can enter your gross annuity, select your marital status, and enter the number of exemptions and other deductions you’d like used in calculating your withholding.  This calculator does not require a User ID or password.

If you have a MyTRS User ID and password, you may log in to use its calculator which automatically imports the current annuity and withholding elections from your TRS account. You can modify your marital status, the number of exemptions, and other deductions to estimate changes in your withholding.

Note: Requires Media Player 6.4 or later.

Request for Estimate of Retirement Benefits – Allows you to electronically submit your information to have TRS prepare a retirement estimate. It can be used as an alternative to filing the TRS18 form (Request for Estimate of Retirement Benefits.)

Request Replacement Retirement Packet – Allows you to request a replacement of your retirement packet if you received a retirement packet within the current school year and need a replacement. TRS will send a replacement of your retirement packet, to your home address on file with TRS, within 31 days of receipt of this request.

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