Check with ASRSEstimate only, not an official benefit amount. Confirm with ASRS (800-621-3778) before you decide.
Your estimated monthly check
Fill in the form and we'll show your straight life annuity, the date you reach normal retirement, any early-retirement cut, and what working longer adds.
Your road to normal retirement
Retire as planned, or work longer?
Your check at every age
Health insurance premium help
Where these numbers come fromEvery rule here comes from ASRS's own publications (its Employer Basics handbook, New Member Guide, fact sheet, training slides, forms and web pages), cited by page, with the Arizona Revised Statutes as a second cite. The early-retirement cut matches ASRS's published factors for membership from July 1, 2011. The few points no source settles are marked Check with ASRS. How we calculate. Official site: www.azasrs.gov. ASRS phone: 800-621-3778 (602-240-2000 in metro Phoenix). ASRS Employer Basics 2025, p. 38; ASRS Fact Sheet (Dec. 2025); ASRS Re-Retirement Application, p. 1
Common questions
How is an ASRS pension calculated?
Years of credited service × a graded multiplier × your average monthly compensation. The multiplier runs from 2.10% (under 20 years) to 2.30% (30 years or more), and one multiplier applies to all your years (ASRS Estimate Your Benefits page, Benefit Formula; ASRS Employer Basics 2025, p. 8; A.R.S. 38-757(B)).
When can I retire with no reduction?
If your membership began before July 1, 2011: 65th birthday; 62nd birthday with at least 10 years of credited service; age plus years of total credited service equal 80 (Rule of 80) (ASRS Retirement Eligibility page, table; ASRS Employer Basics 2025, p. 8; A.R.S. 38-711(27)(a)). From July 1, 2011: 65th birthday; 62nd birthday with at least 10 years of credited service; 60th birthday with at least 25 years of credited service; 55th birthday with at least 30 years of credited service (ASRS Retirement Eligibility page, table; ASRS Employer Basics 2025, p. 8; A.R.S. 38-711(27)(b)).
Can I retire early?
Yes, at age 50 with 5 years of service, after leaving every ASRS employer. The benefit is cut 5% a year before 60 and 3% a year from 60 to 65, up to a birthday set by your service (ASRS Retirement Eligibility page, table (EARLY: 50 + 5 years); ASRS Employer Basics 2025, p. 8; A.R.S. 38-758(A); A.R.S. 38-711(11)).
Does ASRS have a COLA?
No. ASRS tells members there is no cost-of-living adjustment (ASRS New Member Guide, pp. 6, 8). The law keeps a separate permanent benefit increase for some retirees, paid only when investment earnings beat 8% (A.R.S. 38-767).
How much do I contribute?
11.98% of pay from July 1, 2026, and your employer pays the same (ASRS Fact Sheet (Dec. 2025); ASRS New Member Guide, p. 5; ASRS Session 4, p. 6; A.R.S. 38-736(A); A.R.S. 38-737).
Is this the official ASRS calculator?
No. This is an unofficial estimate built from ASRS's own publications and the Arizona Revised Statutes. It is not affiliated with the Arizona State Retirement System (ASRS). For your actual benefit, use your myASRS account or call ASRS at 800-621-3778.
Compare Arizona with other states
- States where teachers don't get Social Security: Most ASRS members also get full Social Security, but it depends on whether your employer has a Social Security agreement.
- Teacher DROP plans by state: No. ASRS has no DROP.
- Teacher pension COLAs by state: No regular COLA. The law allows a permanent increase each July 1 only when investment returns beat 8%.
- State taxes on teacher pensions, by state: Taxed by Arizona, but up to $2,500 a year of public pension income is subtracted.
- Teacher pension multipliers by state: 2.1% to 2.3% × all your years, rising with total service (2.3% at 30+ years). Average of your best 36 or 60 months in a row.
- Teacher retirement age by state: Joined before July 2011: 65, 62 with 10 years, or Rule of 80 (age + years = 80). Since then: 65, 62 with 10, 60 with 25 or 55 with 30.
Plain-English guides
How your pension works
Which rules apply to me?Your membership date (before 1984, to mid-2011, or later) sets your retirement rules, average pay and refund.→The benefit formulaYears × graded multiplier × average monthly compensation, with ASRS's multiplier and wage-replacement tables.→Early retirementFrom age 50 with 5 years: ASRS's factor table by age and service, and where the law differs before 2011.→Buying service creditPrior public employment, unpaid leave, military service and refunds you took: limits and cost.→ASRS glossaryPlain-English definitions of AMC, the graded multiplier, the Rule of 80 and other ASRS terms.→
Planning your exit
Leaving: refund or keep your account?What a refund pays, the employer share before 2011, today's contribution rate, and coming back.→Taxes on your ASRS pensionArizona income tax, the public pension subtraction, and Social Security.→ASRS and Social SecurityThe Section 218 agreement, and no offset in the ASRS formula.→
After you retire
Working after retirementThe 20/20 line, the 365-day rule, early retirees, and reretirement. There's no DROP.→Permanent benefit increasesASRS says there's no COLA. How the law's separate increase from investment earnings works.→Health insurance premium helpASRS's premium benefit table by years of service, and which plans qualify.→Death and survivor benefitsWhat your family receives before and after you retire, and the spouse rule.→
More calculators
The Article 2 section list (A.R.S. 38-711 to 38-794) has no DROP (deferred retirement option plan) for ASRS members. The closest feature is the partial lump sum of up to 36 months of benefits at retirement. A.R.S. 38-760(B)(3) See Payment options.
Source: ASRS Employer Basics 2025 handbook, March 2025 edition, saved Nov. 12, 2026; with other ASRS publications and the Arizona Revised Statutes, pp. 8, 9, 38. Also ASRS New Member Guide, pp. 5, 6, 8. Also ASRS Fact Sheet. Also ASRS Basics for Employers, Session 4: Health Insurance Premium Benefit (slides), p. 6. Also ASRS Application for Re-Retirement Benefit, p. 1. Also ASRS web page: Retirement Eligibility. Also ASRS web page: Retiree Health Insurance Premium Benefit and Optional Health Insurance Premium Benefit. Also ASRS web page: Estimate Your Benefits. Also A.R.S. 38-711, 38-736, 38-737, 38-757, 38-758, 38-760, 38-767, 38-783 (Arizona Revised Statutes, Title 38, Ch. 5, Art. 2). Last reviewed .