RetirementCalcByState
🌵 AZ Pre-Filled
Arizona State Pension
Retirement Calculator 2026
Calculate your estimated Arizona State Retirement System retirement benefit using the official formula. Arizona’s 2026 rates are pre-loaded.
Formula: Years of Service × Final Average Salary × 2.1% = Annual Pension
2.1%
Benefit Multiplier
Top 3 yr avg
Final Avg Salary
5 yrs
Vesting Period
+SS
Social Security
🏛️ ASRS Calculator
Arizona Pension Benefit Estimator
Enter your years of service and final average salary — Arizona’s 2.1% multiplier is already loaded.
$
Using highest 3-year average
✓ Pre-filled — Arizona 2026 rate
Annual Pension
—
Per year
Monthly Pension
—
Per month
Replacement Rate
—
% of final salary
Calculation Breakdown
Years of Service—
Final Average Salary—
Benefit Multiplier2.1%
Annual Pension Benefit—
Income Replacement0%
⚠️ This is an estimate based on the standard Arizona State Retirement System formula. Actual benefits may vary based on your specific tier, early retirement reductions, survivor benefit elections, and other factors. Contact Arizona State Retirement System for an official benefit estimate.
🏛️ Arizona State Retirement System Facts
Benefit Multiplier
2.1% per year
Final Avg Salary
Highest 3-year average
Retirement Rule
Age 65 with 5 years, or Age 62 with 10 years, or Rule of 80
Vesting Period
5 years
Employee Contribution
12.29% of salary
Employer Contribution
12.29% of salary
Social Security
Yes — members also receive Social Security
COLA
Ad hoc — granted periodically
System Overview
Arizona ASRS uses a ‘Rule of 80’ where your age plus years of service must equal 80 for full retirement benefits.
What to Know About Arizona Retirement
- →Arizona ASRS is fully funded above 70% — one of the better-funded state pensions in the West.
- →Arizona ASRS employee and employer contribution rates are identical by law — an unusual feature among state pensions.
- →The standard pension formula is: Years of Service × Final Average Salary × 2.1%. For a 30-year employee earning $65,000/year, this means $40,950/year in annual pension benefits.
Frequently Asked Questions
How is the Arizona pension calculated?
The Arizona State Retirement System uses this formula: Years of Service × Final Average Salary × 2.1%. Your “final average salary” is based on your highest 3-year average. For example, with 25 years of service and a $60,000 final average salary: 25 × $60,000 × 0.021 = $31,500 per year.
When can I retire with a full pension in Arizona?
Full retirement eligibility in Arizona: Age 65 with 5 years, or Age 62 with 10 years, or Rule of 80. You may be able to retire earlier with a reduced benefit — contact Arizona State Retirement System directly for your specific eligibility date based on your hire date and tier.
Does Arizona pension replace Social Security?
Arizona pension members also participate in Social Security. You will receive both your state pension AND Social Security benefits in retirement — two separate income streams.