Your Profile
Enter your information below to see your personalized retirement results →
Personal
Used to determine your district health tier, continuous service, and CalSTRS formula
Auto-set from hire date — hired on/before Dec 31, 2012 → 2% at 60
Compensation
Select one
Powers the Beneficiary Options comparison below and pre-fills the Beneficiary Analysis.
Target
You can also adjust this anytime using the slider on the results panel — no need to come back here.
The Retirement Benefits calculator only provides an estimate of your future retirement benefits.
Member-Only Benefit
Based on your target retirement age
Age —
Monthly Benefit
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Age Factor
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Total Service Credit
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* CalSTRS provides a 2% simple annual COLA on your original benefit amount (applied each September 1st as a fixed dollar increase, not compounded). Benefit values shown do not include COLA — your actual purchasing power may be higher over time.
† Calculations assume a June 30 retirement date for each target age, consistent with the end of the school year. Age factors and benefit amounts may differ if you retire on a different date.
Retirement Timing Insights
Personalized to your inputsFull Retirement Analysis
Benefits by Retirement Age
Chart and full schedule below — review all ages before deciding
Calculated Benefit by Retirement Age Member-Only (no beneficiary option elected)
Full Retirement Schedule
| Age | Year | Svc Yrs | Age Factor | Monthly | % Salary |
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Table symbols: ★ = your target retirement age · ⭐ = within the optimal retirement window · ⚠ = salary capped at CalSTRS pensionable limit (benefit calculated on capped amount, not your full salary)
Flags: Pension eligible · Lifetime health benefit met · Age factor at max 2.4% · Medicare eligible (age 65)
Sick leave: accumulated unused days ÷ base days = additional service credit. Cannot satisfy minimum eligibility requirements.
* Benefit values shown do not include CalSTRS COLA. CalSTRS provides a 2% simple annual COLA on your original benefit — your actual purchasing power may be higher over time. How it works: each September 1st, CalSTRS increases your monthly benefit by 2% of your original benefit amount (not the prior year's adjusted amount), so the dollar increase is constant each year. A separate ad hoc Purchasing Power Protection Allowance (PPPA) may also apply if cumulative inflation erodes your benefit below 85% of its original purchasing power.
† Age factors are calculated assuming a June 30 retirement date — the most common CalSTRS retirement date. Your exact factor is based on your precise age on your actual retirement date and may differ slightly if you retire on a different date.