TMRS Calculator
Calculate your Texas Municipal Retirement System pension benefits. Enter your salary, years of service, and city matching ratio to estimate your TMRS retirement income.
Personal Details
TMRS Plan Details
TMRS Retirement Score
Excellent TMRS retirement outlook. Your 40 years of service with a 2:1 city match provides a strong pension benefit.
Monthly Pension
$2,765
Rule of 78
Met
Monthly Pension
$2,765
$33,180/year
Replacement Rate
60%
of $55,000 salary
Account Balance
$482,187
2:1 city match
Lifetime Pension
$862,680
over 26 years
TMRS Benefit Calculation
How your employee deposits and city match build your pension
Employee Deposits
$160,729
7% of salary
City Match
$321,458
2:1 matching ratio
Monthly Pension
$2,765
Rule of 78 met - full benefit
Retirement Income Projection
Projected TMRS pension and Social Security income by age
Personalized Insights
Actionable recommendations based on your numbers
Strong TMRS pension: $2,765/month
Your estimated TMRS benefit of $2,765/month ($33,180/year) provides substantial retirement income. Your city's 2:1 matching ratio significantly boosts your benefit.
Rule of 78 met: age 62 + 40 years = 102
You meet the Rule of 78 requirement (age plus years of service equals 78 or more), qualifying you for unreduced TMRS retirement benefits. This means you can retire with your full calculated pension.
Excellent city match: 2:1 ratio
Your city's 2:1 matching ratio means for every dollar you contribute, the city adds $2. Your total city match of $321,458 significantly amplifies your retirement benefit.
60% salary replacement from TMRS
Your TMRS pension replaces 60% of your average salary, which is strong for a municipal pension. Combined with Social Security, you may meet or exceed your working income.
No updated service credits applied
Updated service credits (USC) can increase your TMRS account balance when your city adopts them. Check with your city's HR department to see if USCs have been or may be adopted. Many TMRS cities periodically adopt updated service credits.
Lifetime TMRS pension value: $862,680
Over your expected 26 years of retirement, your TMRS pension will pay an estimated $862,680 in total benefits. This is based on your 7% contribution rate and 2:1 city match.
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