US State Teachers Retirement System (TRS) rules
State TRS plans use defined benefit formulas: Years of Service Credit × Benefit Factor (e.g. 2.0% to 2.5%) × Final Average Salary (High-3).
In about 15 states, teachers do not pay into Social Security and are subject to the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO).
Worked example: US teacher retirement pay
A teacher with 30 years of service credit and a High-3 average salary of $70,000 in a plan with a 2.0% formula receives an annual lifetime pension of $42,000 (30 × 2.0% = 60% of $70,000), paying $3,500 per month.
Inputs for the us teacher pension calculator
Service Years & Final Average Salary
Enter years of credited service and average salary across highest earning consecutive years.
CALCULATOR QUESTIONS
US teacher pension calculator questions
What is the Windfall Elimination Provision (WEP)?
The WEP reduces Social Security benefits for individuals who receive a pension from employment where they did not pay Social Security payroll taxes.