Teachers · Public Employees
Florida Teacher Pension Calculator 2026
Florida Retirement System (FRS) Pension Plan. See your exact monthly pension, vesting timeline, and long-term income — free, no sign-up.
Pension multiplier
DC plan
Social Security
Yes
Vesting
6 years
COLA
None
Your teacher pension breakdown
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About the Florida Retirement System (FRS) Pension Plan
The Florida Retirement System (FRS) Pension Plan is Florida's primary retirement plan for public school teachers. It operates as a <strong>defined contribution or hybrid</strong> plan, so your retirement income depends partly on investment returns.
Vesting: You must complete 6 years of service to vest. Before that point, leaving the system means forfeiting your pension benefit entirely (though you can withdraw your own contributions).
Cost-of-living adjustments (COLA): The Florida Retirement System (FRS) Pension Plan does not currently provide automatic COLA increases. Your pension will remain fixed in nominal terms, which means inflation reduces its real value over time. Planning for supplemental savings (403b, Roth IRA) is especially important in Florida.
Employee contribution rate: Florida teachers contribute 3.0% of their salary to the pension system each year.
Frequently Asked Questions
Does Florida have Social Security for teachers?
Yes. Florida teachers participate in Social Security alongside the Florida Retirement System (FRS) Pension Plan pension, giving you two sources of guaranteed retirement income.
How many years to vest in the Florida Retirement System (FRS) Pension Plan?
You need 6 years of service to vest. Once vested, you are entitled to a pension at normal retirement age even if you leave teaching before then.
What is the Florida teacher pension formula?
Florida uses a hybrid plan. Your income depends on contributions and investment returns, not a fixed formula.
Does the Florida Retirement System (FRS) Pension Plan have a COLA?
No. The Florida Retirement System (FRS) Pension Plan does not provide automatic COLA increases. Your pension remains fixed in nominal dollars, so inflation erodes its purchasing power over time. Supplemental retirement savings are especially important for Florida teachers.
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