Public Pension Calculator

CalSTRS Retirement Calculator

California teacher pension — free, instant, private

✓Official benefit factor tables · No login required

CalSTRS (California State Teachers' Retirement System) provides retirement benefits for California's public school educators. Select your formula below to calculate your estimated pension. Classic members (hired before 1/1/2013) use the 2% at 60 formula. PEPRA members (hired on or after 1/1/2013) use the 2% at 62 formula.

CalSTRS Retirement Formulas

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2% at 60 Calculator

CalSTRS members hired before 1/1/2013 (Defined Benefit Program)

Ages 55–63 · Final comp: 12-month avg · COLA: 2%

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2% at 62 Calculator

CalSTRS PEPRA members hired on or after 1/1/2013 (Defined Benefit Program)

Ages 55–65 · Final comp: 36-month avg · COLA: 2%

About CalSTRS Retirement Benefits

CalSTRS is the largest educator-only pension fund in the United States, serving over 900,000 members. The Defined Benefit Program provides a guaranteed lifetime retirement benefit based on your age at retirement, years of service credit, and final compensation.

Your benefit factor (the percentage of final compensation per year of service) increases as you approach and reach your formula's reference age. Classic members reach full benefit at age 60, while PEPRA members reach full benefit at age 62.

CalSTRS Retirement — Frequently Asked Questions

What does the sensitivity ranking show?▾
The sensitivity ranking shows which factors have the biggest impact on your pension estimate. It calculates how much your monthly benefit changes if you work one more year, retire one year later, increase your compensation, or change your survivor option. This helps you focus on the decisions that matter most.
What is the difference between Classic and PEPRA?▾
Classic members were hired before January 1, 2013, or had existing CalPERS membership. PEPRA (Public Employees' Pension Reform Act) members were hired on or after January 1, 2013, with no prior CalPERS membership. PEPRA formulas generally have lower benefit factors at younger ages but the same or similar factors at older retirement ages.
What is the CalSTRS career factor?▾
Classic CalSTRS members (2% at 60) who retire with at least 30 years of service credit earn an additional 0.2% added to their benefit factor — known as the career factor — up to a maximum benefit factor of 2.4%. PEPRA CalSTRS members (2% at 62) do not have a career factor.
What is the minimum retirement age?▾
The minimum retirement age varies by formula. Most PEPRA formulas allow retirement at age 52, while classic formulas may allow retirement as early as age 50. Your benefit factor at the minimum age is typically much lower than at the reference age.
Why is this page set up around a specific age, years, or salary?▾
Scenario pages on this site are designed to help you compare formulas at a fixed planning input — a specific retirement age, a specific number of service years, or a specific final salary band — so you can see the spread between formulas with the variable you care about held constant. The embedded calculator is pre-set to that scenario; change any input to model your own situation.

More Retirement Calculators

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2% at 60 Calculator — CALSTRS

CalSTRS members hired before 1/1/2013 (Defined Benefit Program)

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2% at 62 Calculator — CALSTRS

CalSTRS PEPRA members hired on or after 1/1/2013 (Defined Benefit Program)

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CalPERS Retirement Calculator Hub

All 32 CalPERS retirement formula calculators

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CalSTRS 2% at 60 vs 2% at 62

Classic vs PEPRA CalSTRS comparison

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CalSTRS Retirement Benefits Explained

How CalSTRS calculates your teacher pension

Disclaimer: This site provides estimates for informational and educational purposes only. It is not financial, tax, or legal advice. For official benefit estimates, contact CalSTRS directly.