Pension calculators · Rules checked November 2026

TRS 2 Pension Calculator

Estimate your monthly TRS 2 pension in under a minute. TRS covers teachers and other certificated staff in Washington public schools. Enter the age you’d like to retire, your years of service and your pay.

How the TRS 2 formula works

Your yearly TRS 2 pension is 2% of your average final compensation (AFC) for each year of service. AFC is the average of your highest-paid 60 consecutive months, which for most people is about their last five years of pay.

Example: $95,000 pay, 28 years of service, retiring at 62: $95,000 ÷ 12 × 56% × 74.97% kept for retiring early = $3,324 a month. With 30 years at 62 instead (started before May 1, 2013), there’s no reduction: $95,000 ÷ 12 × 60% = $4,750 a month. Those two extra years of service add $1,426 a month.

When you can retire from TRS 2

Full pension at 65 with at least 5 years of service.
Early retirement from 55 with 20 or more years. The pension is reduced by DRS’s early retirement factors: retiring 3 years early (at 62) keeps 74.97% of it, and retiring 10 years early (at 55) keeps 40.18%.
With 30 or more years, the reduction is much smaller. If you first started in a PERS, TRS or SERS job before May 1, 2013, you keep 80% at 55, rising 3 points a year to 98% at 61, and the full pension from 62. If you started on or after May 1, 2013, it’s 5% less for each year before 65.
When more than one rule applies, the calculator uses the one that pays more.

Then the bigger question: is it enough?

The pension is usually the biggest piece, but it’s one piece. The free Washington Retirement Scorecard adds your savings and Social Security, shows your monthly income against your spending before and after Social Security, what one more year of work is worth, and the three things to work on first. Your numbers from this calculator carry over.

What this estimate leaves out

Survivor options. It shows the single-life amount, the highest option. Choosing a survivor benefit for a spouse lowers it.
Months. It counts whole years; DRS counts months.
Service credit purchases, and pay rules that differ by plan, like which overtime counts.
Cost-of-living raises. Pay and pension are in today’s dollars. After you retire, these pensions get a yearly cost-of-living raise of up to 3%.
Plan 1. This calculator covers Plan 2 and Plan 3 (PSERS 2, LEOFF 2 and WSPRS 2 too), not Plan 1.

For your official number, request a benefit estimate in your DRS online account at drs.wa.gov. DRS suggests doing it 3 to 12 months before you retire. Every formula behind this calculator is written out on the how it works page.

Common questions

How is the TRS 2 pension calculated?

Your yearly TRS 2 pension is 2% of your average final compensation (AFC) for each year of service. AFC is the average of your highest-paid 60 consecutive months, which for most people is about their last five years of pay.

When can I retire from TRS 2 without a reduction?

At 65 with 5 years of service, or at 62 with 30 years if you first started before May 1, 2013.

Can I retire early from TRS 2?

Yes, from 55 with 20 years, with a reduction. With 30 years the reduction is much smaller, and none from 62 if you started before May 1, 2013.

Is this the same as my official DRS estimate?

No. It uses the plan’s published formula, so it’s a close estimate, not your official benefit. Your official estimate is in your DRS online account at drs.wa.gov. DRS suggests requesting one 3 to 12 months before you retire.