Your retirement benefit is based on a formula, not how much you contribute or the performance of CalSTRS investments. Four calculators are available to help you plan your retirement.

Read the disclaimer about using CalSTRS calculators.

Member-Only Retirement Benefit Calculator

Project your retirement benefit. Use it for retirement planning. Calculations are estimates only.

The formula to calculate your Member-Only Benefit Retirement Benefit is simple:

• Service Credit
  Number of school years you worked and paid into CalSTRS.
• Age Factor
  Percentage based on your age at the time you retire.
• Final Compensation
  Based on your years of service credit and highest earnings.

Learn more about the annuities available to you with the Defined Benefit Supplement Annuity Estimate Tables. Calculate an estimate for each annuity type based on various account balances and age at retirement.

• Estimate your monthly Member-Only Retirement Benefit

Permissive and Nonqualified Service Credit Calculator

Estimate the cost to purchase permissive or nonqualified service credit.

See the Purchase Additional Service Credit brochure for a list of qualified activities.

• Estimate the cost to purchase permissive or nonqualified service credit.

Redeposit Cost Calculator

Estimate the cost to redeposit service credit or a refund.

Redeposit service credit if you left public education, took a refund and return to CalSTRS membership.

• Estimate the cost to redeposit.

Finance Calculator

Estimate the number of installment payments or installment amount needed to finance your purchase of permissive service credit or a redeposit.

Use the Permissive Service Credit or a Redeposit Cost calculators above to estimate your purchase cost. Use this dollar amount to estimate your installment payments.

• Estimate the cost to finance.