CalSTRS Retirement Income Gap Calculator
1. Your CalSTRS Plan
Check your CalSTRS annual statement or ask HR if unsure. Include all CalSTRS service credit. Use decimals for partial years.2. Retirement Timing
Most teachers retire between 55-65. For mid-year retirement timing.3. Salary Information
"Final Compensation" - average of highest 36 consecutive months. Your current monthly earnings before taxes. Financial planners typically recommend 80-90%.Your Retirement Income Breakdown
Total Years of Service:
Age Factor:
Final Compensation:
💰 Monthly CalSTRS Pension:
Income Gap:
Amount needed from other sources (Social Security, 403b, etc.)
Income Replacement Rate: