Georgia TRS pays 2% a year of your two-year average salary, counting up to 40 years. You can retire unreduced with 30 years at any age or at 60 with 10 years. With 25 to 29 years you can go before 60, losing the smaller of 7% a year under 60 or 7% for each year short of 30.
All members
| Age | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs | 35 yrs |
|---|---|---|---|---|---|---|
| 55 | — | — | — | 32.5% | 60.0% | 70.0% |
| 56 | — | — | — | 36.0% | 60.0% | 70.0% |
| 57 | — | — | — | 39.5% | 60.0% | 70.0% |
| 58 | — | — | — | 43.0% | 60.0% | 70.0% |
| 59 | — | — | — | 46.5% | 60.0% | 70.0% |
| 60 | 20.0% | 30.0% | 40.0% | 50.0% | 60.0% | 70.0% |
| 61 | 20.0% | 30.0% | 40.0% | 50.0% | 60.0% | 70.0% |
| 62 | 20.0% | 30.0% | 40.0% | 50.0% | 60.0% | 70.0% |
| 63 | 20.0% | 30.0% | 40.0% | 50.0% | 60.0% | 70.0% |
| 64 | 20.0% | 30.0% | 40.0% | 50.0% | 60.0% | 70.0% |
| 65 | 20.0% | 30.0% | 40.0% | 50.0% | 60.0% | 70.0% |
| 66 | 20.0% | 30.0% | 40.0% | 50.0% | 60.0% | 70.0% |
| 67 | 20.0% | 30.0% | 40.0% | 50.0% | 60.0% | 70.0% |
Percent of final average salary, before tax and before any survivor-option reduction. Green cells are unreduced. A dash means you cannot retire yet at that age and service.
Turning a percentage into dollars
Multiply the percentage by your final average salary and divide by twelve. At 60% of an $80,000 average, the pension is $48,000 a year, or $4,000 a month. Average monthly salary over your 24 highest consecutive months of membership service, which may not be your last two years. The Georgia TRS calculator does the arithmetic for any age, service and salary, and the pension by years table shows monthly amounts at common salaries.
How to use the chart
Find your expected service in the columns and read down to see how the benefit changes as you wait. The jump from one row to the next shows what an extra year at work is worth. When a whole row turns green, that age is unreduced for that service. To find the exact day you reach it, use the retirement date finder.