CalSTRS Retirement Income Gap — Quick Calculator
Enter your numbers. Press calculate. Get an instant gap estimate.
Don’t know your structure? Open the helper below.
Quarter-years accepted (e.g., 60.5).
Step 1 — When did you first become a CalSTRS member?
Check your myCalSTRS profile or earlier pay stubs.
Step 2 — Did you ever take a refund of your CalSTRS account?
If you refunded and returned on/after 1/1/2013, you’re typically considered a “new member.”
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This helper is a simplified guide based on PEPRA (2013). Special cases exist. Confirm on myCalSTRS or with your district/CalSTRS.
Include projected years at retirement (and sick leave if known).
Highest 12 or 36 months (per your structure).
Estimate from inputs
Override:
%
If you know your official age factor, enter it directly. Otherwise, click “Estimate.”
Common guidance: 80–90% of final salary.
Social Security
DBS annuity
403(b)/457
Enter monthly amounts, if applicable.
Book an Appointment with an Agent
Estimates only — confirm with a Final Consultant from Teachers Retirement Solutions
Projected CalSTRS Pension (Monthly)
$0
Target Income (Monthly)
$0
Your Gap (Monthly)
$0
Total Monthly Income w/ Other Sources
$0
Gap After Other Sources (Monthly)
$0
Estimated Age Factor Used
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Results are estimates based on:
service credit × age factor × final compensation (annual), divided by 12 for monthly.
Confirm your official numbers on myCalSTRS and with a CalSTRS benefits specialist.