Arkansas · Free tool
Arkansas ATRS Retirement Calculator
The Arkansas Teacher Retirement System (ATRS) calculates a pension as 2.15% multiplied by your final average salary multiplied by your years of service. Enter your numbers below for an estimate.
Enter your numbers. The percentage is pre-filled with the 2.15% ATRS multiplier; adjust it for your tier or service level.
ATRS uses a 2.15% multiplier on your final average salary (the average of your highest three years). Early retirement before your normal retirement age reduces the benefit. Confirm with Arkansas ATRS.
Your estimated Arkansas ATRS pension
Updates as you type.
Educational estimate only, not financial advice. Uses a simplified Arkansas ATRS formula and your inputs; your real benefit varies by tier, service, age, and salary rules.
How the Arkansas ATRS formula works
For contributory members ATRS uses a 2.15% multiplier on your final average salary, the average of your highest three years. Members who do not contribute earn a lower rate. Normal retirement is 28 years of service at any age, or age 60 with five years.
This calculator uses a single percentage and a simplified formula, so treat the result as an estimate and confirm your figure with ATRS. Arkansas teachers also pay into Social Security. Use the full Teacher Retirement Calculator to combine your pension with your 403(b)/457(b) and Social Security, or read what the WEP and GPO repeal means for teachers.
Questions
How is a Arkansas ATRS pension calculated?
The ATRS benefit multiplies a 2.15% multiplier by your final average salary by your years of service. For example, 30 years at a $55,000 final average salary is 2.15% × $55,000 × 30 = $35,475 per year before any early-retirement reduction.
What multiplier does Arkansas ATRS use?
It is 2.15% per year of service. Adjust the percentage on the calculator if your tier or service level uses a different rate.
Do Arkansas teachers get Social Security?
Yes. Arkansas teachers pay into Social Security, so most receive a ATRS benefit plus a Social Security benefit. Adding any 403(b) or 457(b) savings completes the picture.