Utah URS Retirement Calculator: How to Use It
The calculator applies Utah Code Title 49 chapters 13 (Tier 1 Noncontributory) and 22 (Tier 2) and the URS 2026-27 Highlights for the Public Employees system.
The inputs
Tier
Tier 1 if you began full-time URS employment before July 1, 2011; Tier 2 Hybrid if you began on or after it.
Final average salary
The average of your highest 3 years (Tier 1) or 5 years (Tier 2). Enter it as a yearly figure.
How the result is built
Monthly allowance = multiplier x service x monthly FAS. For Tier 1 between 60 and 65 without 30 years, the calculator takes 3% a year, prorated by month. The actuarial reductions (Tier 1 under 60, Tier 2 before 65 without 35 years) have no published factor table, so the calculator flags them and shows the amount before that reduction. Confirm the reduced figure with URS.
Frequently asked questions
Is there a Rule of 85 or 90?
No. Tier 1 is unreduced at 65 or with 30 years, Tier 2 at 65 or with 35 years.
Does the COLA compound?
No. Each year's increase is a percentage of the original allowance, capped at 4% (Tier 1) or 2.5% (Tier 2).
Why doesn't the calculator show my Tier 2 early reduction?
Utah Code requires a full actuarial reduction, and URS publishes only approximate rates (about 7% a year for 60-63, 9% for 64-65). Ask URS for the exact figure.
Does it cover public safety or firefighters?
No. Those systems have different ages, formulas and service requirements.