CalSTRS Retirement Income Gap — Quick Calculator
Enter your numbers. Press calculate. Get an instant gap estimate.
Find this on your Retirement Progress Report (myCalSTRS).
Quarter-years accepted (e.g., 60.5).
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.
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Estimates only — confirm with a Teachers Retirement Solutions Financial Consultant
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
—
Results are estimates based on:
service credit × age factor × final compensation (annual), divided by 12 for monthly.
Confirm your official numbers with a Teachers Retirement Solutions Financial Consultant.