🎓 Teachers Retirement Solutions

Your Retirement Income Gap

See how your CalSTRS pension stacks up against your retirement income goals — in under 2 minutes.

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Your CalSTRS Plan

Select your plan type and service years

CalSTRS Plan Check your CalSTRS annual statement or ask HR if unsure. Please select your plan

Years of Service at Retirement Include all CalSTRS service credit. Decimals OK for partial years. Please enter your years of service

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Retirement Timing

When do you plan to retire?

Retirement Age Enter age (50–70)

Additional Months

Most California teachers retire between ages 55–65.

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Salary & Income Goal

We'll use this to calculate your gap

Final Compensation (monthly avg, highest 3 yrs) Average of your highest 36 consecutive months of earnings. Please enter your final compensation

Current Monthly Gross Salary Your current monthly earnings before taxes. Please enter your current salary

Retirement Income Goal (% of current) Financial planners typically recommend 80–90%.

Your Retirement Breakdown

Based on your CalSTRS plan inputs

Monthly Income Gap

$0.00

Additional monthly income needed from other sources

CalSTRS Pension

$0.00

Current Salary

$0.00

Service Years

Age Factor

Income Replacement 0%

Your CalSTRS pension Your 80% goal

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Receive a copy of your retirement breakdown so you can review it anytime.

First Name Please enter your first name

Last Name Please enter your last name

Email Address Please enter a valid email

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Let's Close the Gap Together

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This calculator provides estimates based on the standard CalSTRS benefit formula. Actual benefits may vary. This is not financial advice. Consult a licensed professional from Teachers Retirement Solutions for personalized retirement planning.