Utah · Free tool
Utah URS Retirement Calculator
The Utah Retirement Systems (URS) calculates a pension as 1.5% 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 1.5% URS multiplier; adjust it for your tier or service level.
URS uses a 1.5% multiplier on your final average salary (the average of your highest five years). Early retirement before your normal retirement age reduces the benefit. Confirm with Utah URS.
Your estimated Utah URS pension
Updates as you type.
Educational estimate only, not financial advice. Uses a simplified Utah URS formula and your inputs; your real benefit varies by tier, service, age, and salary rules.
How the Utah URS formula works
Tier 2 members, hired on or after July 1, 2011, use a 1.5% multiplier on your final average salary, the average of your highest five years, in the hybrid pension option, and also receive an employer contribution to a 401(k). Tier 1 members use a 2% multiplier. This calculator estimates the defined-benefit pension only.
This calculator uses a single percentage and a simplified formula, so treat the result as an estimate and confirm your figure with URS. Utah 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 Utah URS pension calculated?
The URS benefit multiplies a 1.5% multiplier by your final average salary by your years of service. For example, 30 years at a $55,000 final average salary is 1.5% × $55,000 × 30 = $24,750 per year before any early-retirement reduction.
What multiplier does Utah URS use?
It is 1.5% per year for Tier 2 hybrid members (hired on or after July 1, 2011) and 2% per year for Tier 1 members.
Do Utah teachers get Social Security?
Yes. Utah teachers pay into Social Security, so most receive a URS benefit plus a Social Security benefit. Adding any 403(b) or 457(b) savings completes the picture.