Retire Ready Tennessee

Discover RetireReadyTN!

We want to help you achieve a healthy, happy, and secure future, no matter where your retirement dreams take you.

A Message from RetireReadyTN

While employees of the Tennessee Department of Treasury are working remotely to help reduce the spread of the COVID-19 virus, all vital services of the retirement plan are continuing without interruption. Our staff continues to ensure the administrative responsibilities of our pension plan are being met, so that our retirees will see no disruptions in benefit payments. Likewise, the RetireReadyTN Call Center is available to answer questions about your TCRS, 401(k), and 457(b) plans. Login below to access your retirement accounts 24/7 or call (800) 922-7772, Monday-Friday 8 A.M. to 7 P.M CT.

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It's your vision, your retirement. Be ready!

Explore the various resources at your fingertips to help you plan for, manage, and ensure enjoyment of your secure retirement. With RetireReadyTN, you can get a real-time, personalized view of your retirement income, just by logging in.

Login to your 401(k)/457 accounts Login to TCRS Self-Service

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We strive to empower public employees to take actionable steps toward preparing for the future.

RetireReadyTN logo with three component flags

Combined strengths. Your complete retirement program.

RetireReadyTN is the state’s retirement program, combining the strengths of one of the nation's strongest defined benefit plans, provided by the Tennessee Consolidated Retirement System (TCRS); a 401(k) plan; and retirement readiness education.


"We work diligently to provide the best possible management of the system, invest the system assets in a prudent manner without undue risk, fund the system on an actuarially-strong basis and provide the best possible services to the members in the system."

— Tennessee Treasurer David H. Lillard, Jr.

Tennessee Consolidated Retirement System (TCRS)

TCRS, your defined benefit plan, provides lifetime retirement, survivor and disability benefits for employees and their beneficiaries.

Recognized as one of the best managed defined benefit plans in the country, the Tennessee Consolidated Retirement System provides lifetime retirement, survivor and disability benefits for members and their beneficiaries. The benefit provided by TCRS is a solid foundation for building a retirement future.

Learn more about the TCRS Login to TCRS Self-Service

Tennessee Consolidated Retirement System (TCRS) logo


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The 401(k) plan lets you take control of your retirement by investing in fund options of your choice.

You can decide how your money should be invested given your individual goals, risk tolerance, and timeline. The amount you receive from your 401(k) account in retirement is based on how much you save, plus any accumulated earnings from your investments.

Learn more about 401(k) investment options Login to your 401(k) account

Retirement readiness education

RetireReadyTN offers retirement readiness education and retirement counseling to all members, free of charge.

Members can meet with a local retirement plan advisor for assistance with retirement planning or to discuss any other financial planning needs. You can schedule a one-on-one or group meeting.

If you are more than three years from retirement, then register for a Retirement Readiness Review. If you plan to retire in the next three years, then register for a counseling appointment.

Register for Retirement Readiness Review Register for retirement counseling

retirement readiness education forum

Let's get started

View retirement information customized for you

Your retirement options may vary, depending on the type of employment. Select your field for customized information:

for Teachers for Higher Education Employees for Local Government Employees for State Employees for Retirees for Employers

Empower Retirement sample personalized dashboard screen

View your retirement dashboard

The online participant center takes your total plan balance and other income sources to show your estimated income in retirement as well as what percentage of your working income you're on track to replace.

  • Translate your savings into estimated monthly retirement income
  • Model different saving scenarios and implement changes immediately
  • Discover next steps to help boost your retirement income
  • Review peer comparisons to let you see how your savings stack up

Login to your retirement dashboard

Access quick resources

With RetireReadyTN, you have all the resources you need to manage and optimize your retirement planning.

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Do you know who your beneficiary is?

Check your beneficiaries

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More than 3 years from retirement?

Register for a Readiness Review

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Within 3 years of retirement?

Register for Retirement Counseling

Questions? Contact us today!

Contact Us

Have questions about your retirement account? We're here to help!

(800) 922.7772 (Main line)

(800) 766.4952 (TDD)

Mailing Address

Andrew Jackson Building, 15th Floor
502 Deaderick Street
Nashville, TN  37243-0201

Deferred Compensation Program
Empower Retirement
545 Mainstream Drive, Suite 407
Nashville, TN  37228