RetirementCalcByState
🧂 UT Pre-Filled
Utah State Pension
Retirement Calculator 2026
Calculate your estimated Utah Retirement Systems retirement benefit using the official formula. Utah’s 2026 rates are pre-loaded.
Formula: Years of Service × Final Average Salary × 1.5% = Annual Pension
1.5%
Benefit Multiplier
Top 3 yr avg
Final Avg Salary
4 yrs
Vesting Period
+SS
Social Security
🏛️ URS Calculator
Utah Pension Benefit Estimator
Enter your years of service and final average salary — Utah’s 1.5% multiplier is already loaded.
$
Using highest 3-year average
✓ Pre-filled — Utah 2026 rate
Annual Pension
—
Per year
Monthly Pension
—
Per month
Replacement Rate
—
% of final salary
Calculation Breakdown
Years of Service—
Final Average Salary—
Benefit Multiplier1.5%
Annual Pension Benefit—
Income Replacement0%
⚠️ This is an estimate based on the standard Utah Retirement Systems formula. Actual benefits may vary based on your specific tier, early retirement reductions, survivor benefit elections, and other factors. Contact Utah Retirement Systems for an official benefit estimate.
🏛️ Utah Retirement Systems Facts
Benefit Multiplier
1.5% per year
Final Avg Salary
Highest 3-year average
Retirement Rule
Age 65 with 4 years, or Rule of 85 for Tier 1 employees
Vesting Period
4 years
Employee Contribution
0% of salary
Employer Contribution
18.74% of salary
Social Security
Yes — members also receive Social Security
COLA
Yes — automatic annual COLA
System Overview
Utah converted to a hybrid pension-401k system in 2011 — new employees choose between a traditional pension or a hybrid.
What to Know About Utah Retirement
- →Utah converted to a hybrid system in 2011 — new employees choose between a traditional pension or a 401k-style hybrid plan.
- →Utah URS is employer-funded only for the defined benefit plan — employees contribute 0% of salary to the pension.
- →The standard pension formula is: Years of Service × Final Average Salary × 1.5%. For a 30-year employee earning $65,000/year, this means $29,250/year in annual pension benefits.
Frequently Asked Questions
How is the Utah pension calculated?
The Utah Retirement Systems uses this formula: Years of Service × Final Average Salary × 1.5%. 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 × 0.015 = $22,500 per year.
When can I retire with a full pension in Utah?
Full retirement eligibility in Utah: Age 65 with 4 years, or Rule of 85 for Tier 1 employees. You may be able to retire earlier with a reduced benefit — contact Utah Retirement Systems directly for your specific eligibility date based on your hire date and tier.
Does Utah pension replace Social Security?
Utah pension members also participate in Social Security. You will receive both your state pension AND Social Security benefits in retirement — two separate income streams.