ATRS Calculator (Arkansas Teacher)
Estimate your Arkansas Teacher Retirement System pension benefit. Calculate your monthly and annual pension using the ATRS formula: 2.15% x years of service x final average salary (highest 3 years).
Personal Details
Salary & Service
ATRS Eligibility Check
ATRS Pension Score
Your ATRS pension provides excellent retirement income with strong salary replacement and COLA protection.
Monthly Benefit
$5,515
Replacement Rate
75%
Monthly Pension
$5,515
$66,178/year
Replacement Rate
75%
of $87,944 FAS
Lifetime Value
$2,412,801
over 25 years
Years of Service
35
Rule of 28 met
ATRS Benefit Formula
2.15% x 35 years x $87,944 = $66,178/year ($5,515/month)
Income Replacement
How much of your final average salary your pension replaces
Total
$100
Pension
75%$75/yr
Gap
25%$25/yr
Pension: $66,178/year of $87,944 final average salary
ATRS Pension Income Over Retirement
Annual pension payments with 3% COLA through retirement
Year-by-Year Pension Income
Annual pension payments with COLA through retirement
| Age | Annual Pension | Real Value | Cumulative |
|---|---|---|---|
| 60 | $66,178 | $66,178 | $66,178 |
| 65 | $76,718 | $67,808 | $428,065 |
| 70 | $88,938 | $69,478 | $847,593 |
| 75 | $103,103 | $71,189 | $1,333,941 |
| 80 | $119,525 | $72,943 | $1,897,752 |
| 84 | $134,526 | $74,376 | $2,412,801 |
Personalized Insights
Actionable recommendations based on your numbers
Strong replacement rate: 75%
Your ATRS pension replaces 75% of your final average salary ($87,944). This provides a solid foundation for retirement income.
3% annual COLA protection
ATRS provides a 3% annual cost-of-living adjustment. Your pension grows from $66,178/year to approximately $119,525/year by year 20 of retirement, helping offset inflation.
Rule of 28 eligibility met
At age 60 with 35 years of service (sum = 95), you meet the Rule of 28 requirement. You qualify for an unreduced pension benefit at retirement.
No early retirement reduction
You qualify for a full, unreduced pension at age 60. You meet the Rule of 28 requirement.
No survivor benefit elected
You have not elected a survivor benefit. While this maximizes your monthly pension, consider whether your spouse or dependents would need income protection. ATRS offers several survivor benefit options.
Lifetime pension value: $2,412,801
Over 25 years of retirement, your ATRS pension is projected to pay approximately $2,412,801 in total benefits including COLA adjustments.