RetirementCalcByState
💎 AR Pre-Filled
Arkansas State Pension
Retirement Calculator 2026
Calculate your estimated Arkansas Teacher Retirement System retirement benefit using the official formula. Arkansas’s 2026 rates are pre-loaded.
Formula: Years of Service × Final Average Salary × 2.15% = Annual Pension
2.15%
Benefit Multiplier
Top 3 yr avg
Final Avg Salary
5 yrs
Vesting Period
+SS
Social Security
🏛️ ATRS Calculator
Arkansas Pension Benefit Estimator
Enter your years of service and final average salary — Arkansas’s 2.15% multiplier is already loaded.
$
Using highest 3-year average
✓ Pre-filled — Arkansas 2026 rate
Annual Pension
—
Per year
Monthly Pension
—
Per month
Replacement Rate
—
% of final salary
Calculation Breakdown
Years of Service—
Final Average Salary—
Benefit Multiplier2.15%
Annual Pension Benefit—
Income Replacement0%
⚠️ This is an estimate based on the standard Arkansas Teacher Retirement System formula. Actual benefits may vary based on your specific tier, early retirement reductions, survivor benefit elections, and other factors. Contact Arkansas Teacher Retirement System for an official benefit estimate.
🏛️ Arkansas Teacher Retirement System Facts
Benefit Multiplier
2.15% per year
Final Avg Salary
Highest 3-year average
Retirement Rule
Age 60 with 5 years, or Rule of 90 (age + service = 90)
Vesting Period
5 years
Employee Contribution
14% of salary
Employer Contribution
15% of salary
Social Security
Yes — members also receive Social Security
COLA
Ad hoc — granted periodically
System Overview
Arkansas ATRS covers over 100,000 members and uses a Rule of 90 for unreduced early retirement.
What to Know About Arkansas Retirement
- →Arkansas uses a ‘Rule of 90’ for unreduced early retirement — your age plus years of service must equal 90.
- →Arkansas teachers contribute 14% of salary to ATRS — one of the higher employee contribution rates in the US.
- →The standard pension formula is: Years of Service × Final Average Salary × 2.15%. For a 30-year employee earning $65,000/year, this means $41,925/year in annual pension benefits.
Frequently Asked Questions
How is the Arkansas pension calculated?
The Arkansas Teacher Retirement System uses this formula: Years of Service × Final Average Salary × 2.15%. 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 × 0.0215 = $32,250 per year.
When can I retire with a full pension in Arkansas?
Full retirement eligibility in Arkansas: Age 60 with 5 years, or Rule of 90 (age + service = 90). You may be able to retire earlier with a reduced benefit — contact Arkansas Teacher Retirement System directly for your specific eligibility date based on your hire date and tier.
Does Arkansas pension replace Social Security?
Arkansas pension members also participate in Social Security. You will receive both your state pension AND Social Security benefits in retirement — two separate income streams.