A Georgia TRS member with 30 years of service and a $70k final average salary retires on about $3,500 a month at age 50 under the “All members” rules. That is 60.0% of salary. Amounts use the first unreduced age for each length of service: any age at 30 years, otherwise 60. You need 10 years to be vested. Whether you also earn Social Security depends on your school district.
All members
| Service | Age | % of salary | $50k | $60k | $70k | $80k | $90k | $100k |
|---|---|---|---|---|---|---|---|---|
| 10 yrs | 60 | 20.0% | $833 | $1,000 | $1,167 | $1,333 | $1,500 | $1,667 |
| 15 yrs | 60 | 30.0% | $1,250 | $1,500 | $1,750 | $2,000 | $2,250 | $2,500 |
| 20 yrs | 60 | 40.0% | $1,667 | $2,000 | $2,333 | $2,667 | $3,000 | $3,333 |
| 25 yrs | 60 | 50.0% | $2,083 | $2,500 | $2,917 | $3,333 | $3,750 | $4,167 |
| 30 yrs | 50 | 60.0% | $2,500 | $3,000 | $3,500 | $4,000 | $4,500 | $5,000 |
| 35 yrs | 50 | 70.0% | $2,917 | $3,500 | $4,083 | $4,667 | $5,250 | $5,833 |
Monthly amounts before tax, using the single-life payout. Salary columns are final average salary, not your last paycheck. Age is the first age with no early-retirement reduction for that service.
Retiring earlier or later
Retiring before the age shown means a smaller check for life, and waiting longer usually adds both service and, in some plans, a higher factor. The Georgia TRS retirement chart shows the percentage at every age from 55 to 67, and the Georgia TRS calculator runs your exact numbers.
What else adds to the check
Some Georgia TRS members pay into Social Security and some do not, depending on the employer. Any Social Security you earned now adds in full since the Fairness Act. See the pension and Social Security calculator for the combined total, and the COLA guide for how the check grows after you retire.