Calculator / TRS Early Retirement Reduction
Texas TRS retirement guide
TRS Early Retirement Reduction
An early-age retirement reduction may permanently lower your monthly annuity. The exact treatment depends on tier, age, service, and Rule of 80 status.
Key point
Where an official actuarial table applies, this site intentionally directs you to an official TRS estimate instead of guessing.
Use this in your retirement estimate
Start with the figures on your latest TRS annual statement. The independent calculator can help you explore scenarios, but your official TRS retirement estimate is the final authority.
Important verification
Your tier is printed on your annual statement and any official retirement estimate. If the tier, credit, salary, or eligibility shown there differs from this site, use the TRS information and speak with a benefits counselor.