RetirementCalcByState
🍑 GA Pre-Filled
Georgia State Pension
Retirement Calculator 2026
Calculate your estimated Employees’ Retirement System of Georgia retirement benefit using the official formula. Georgia’s 2026 rates are pre-loaded.
Formula: Years of Service × Final Average Salary × 2% = Annual Pension
2%
Benefit Multiplier
3-year average
Final Avg Salary
10 yrs
Vesting Period
+SS
Social Security
🏛️ ERS Calculator
Georgia Pension Benefit Estimator
Enter your years of service and final average salary — Georgia’s 2% multiplier is already loaded.
$
Using 3-year average
✓ Pre-filled — Georgia 2026 rate
Annual Pension
—
Per year
Monthly Pension
—
Per month
Replacement Rate
—
% of final salary
Calculation Breakdown
Years of Service—
Final Average Salary—
Benefit Multiplier2%
Annual Pension Benefit—
Income Replacement0%
⚠️ This is an estimate based on the standard Employees’ Retirement System of Georgia formula. Actual benefits may vary based on your specific tier, early retirement reductions, survivor benefit elections, and other factors. Contact Employees’ Retirement System of Georgia for an official benefit estimate.
🏛️ Employees’ Retirement System of Georgia Facts
Benefit Multiplier
2% per year
Final Avg Salary
3-year average
Retirement Rule
Age 65 with 10 years, or Age 60 with 25 years
Vesting Period
10 years
Employee Contribution
1.5% of salary
Employer Contribution
22.97% of salary
Social Security
Yes — members also receive Social Security
COLA
Ad hoc — granted periodically
System Overview
Georgia ERS has unusually low employee contribution rates at just 1.5% — one of the lowest in the US.
What to Know About Georgia Retirement
- →Georgia ERS employee contribution rate of just 1.5% is among the lowest of any state pension system in the US.
- →Georgia teachers are in a separate system (TRS) — the ERS covers most other state and local government employees.
- →The standard pension formula is: Years of Service × Final Average Salary × 2%. For a 30-year employee earning $65,000/year, this means $39,000/year in annual pension benefits.
Frequently Asked Questions
How is the Georgia pension calculated?
The Employees’ Retirement System of Georgia uses this formula: Years of Service × Final Average Salary × 2%. Your “final average salary” is based on your 3-year average. For example, with 25 years of service and a $60,000 final average salary: 25 × $60,000 × 0.02 = $30,000 per year.
When can I retire with a full pension in Georgia?
Full retirement eligibility in Georgia: Age 65 with 10 years, or Age 60 with 25 years. You may be able to retire earlier with a reduced benefit — contact Employees’ Retirement System of Georgia directly for your specific eligibility date based on your hire date and tier.
Does Georgia pension replace Social Security?
Georgia pension members also participate in Social Security. You will receive both your state pension AND Social Security benefits in retirement — two separate income streams.