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Estimator Disclaimer and Formula

The ATRS Benefit Estimator allows you to input data to obtain an unofficial estimate of your ATRS benefits. It is to be used as an educational tool to assist our members as they consider retirement. The estimate provided is based on the data you enter and does not use any information contained in ATRS records. This estimate is based on Age and Service retirement with a Straight Life Annuity and does not allow for Early Retirement deductions nor does it include deductions from your benefit for optional insurance, income tax, etc.

The Age and Service Annual Straight Life Annuity is based on the following formula:

Years of service X final average salary (based on 3 highest salary years) X multiplier (1.39% non-contributory / 2.15% contributory plan) = Annual Straight Life Annuity

An additional $900 annual ($75 monthly) is added for those members with ten (10) or more years of actual service with ATRS.

ATRS WILL NOT PROVIDE ANY BENEFIT BASED ON THE USE OF THIS ESTIMATOR.

Please contact ATRS at 1-501-682-2175, 1-800-666-2877, or info@artrs.gov to request a Benefits Estimate specific to your record, selected options, and current law and rules.

 

To create an estimate

 

In order to receive a retirement estimate you must first provide some information to calculate your benefit.  Please answer the following questions.

 

 

Please enter your name.
   
Please enter the city that you currently reside in.

To receive full benefits from ATRS, you must be age 60 with at least 5 years of credited service or any age with 28 years of credited service.  You can receive a reduced benefit at any age with 25 years of service.

 

Enter your years of credited service under each plan.

 
 

Your service credit years must be divided between Contributory and Non-Contributory.  Please enter your years accordingly.

 

Contributory

 
 

Non-Contributory

 
 
 
 
 

Please round your service years to the nearest fractional year.  The breakdown for ATRS Credited Service years is as follows:

 
 

0-39 days

0.00

40-79 days

0.25

80-119 days

0.50

120-159 days

0.75

160 or more days

1.00

 

What is your Final Average Salary ?

 
 
 

Generally, the final average salary is the sum of the three highest fiscal year salaries divided by three. However, in computing retirement benefits, no salary used in the computation of the final average salary shall exceed the greater of 120% of the previous highest salary or an additional $5,000. For members whose salaries are frozen at the maximum of $7800, please enter $7800 as the final average salary.