A simple retirement snapshot for California teachers and public employees
CalSTRS estimates that the average pension replaces about 54% of a member's salary in retirement. We help you understand how your pension, current savings, and retirement goals fit together — and what gap, if any, you may need to address.
📅 Want to book a personalized review? Complete your free snapshot above — it takes about 3 minutes.
How it works
A quick pulse check — nothing more, nothing less
A simple, no-obligation way to see where you stand before deciding if any action is worth taking. The whole thing takes about three minutes.
1
Answer a few questions
Basic information about your salary, years of service, and when you hope to retire. No account logins or documents needed.
2
See your retirement snapshot
We estimate your projected pension, your income target, and whether there may be a gap worth paying attention to — in plain English.
3
Decide your next step
If the snapshot suggests a gap, you can book a free review with a retirement income professional. If you look well covered, that is good news worth knowing too.
What a personalized review covers
A deeper look at your retirement picture — before you commit to anything
Your snapshot is a starting point. If it suggests a gap — or if you simply want to understand your full picture — a no-obligation review with a retirement income professional goes much further.
Your personalized CalSTRS or CalPERS projection
Your actual estimated benefit at different retirement ages, based on your service credit and salary history.
Retirement income gap analysis
How far your pension takes you toward your income target — and what, if anything, needs to be addressed.
Benefit election comparison
What each pension option pays you monthly, and what it means for your beneficiary — with figures specific to your situation.
Strategies to close the gap
If a gap exists, we walk through the options available to you — tailored to where you are in your career.
Protecting your beneficiaries
Exploring whether you can elect the highest pension benefit and still ensure your family is taken care of after you are gone.
No pressure, no obligation
If after the review you decide no action is needed, that is a valuable outcome too. We would rather you leave informed than leave sold.
Ready to see your actual numbers?
Complete your free snapshot to get started.
Common questions
What people usually ask before getting started
California Pension Review
Your retirement snapshot
These estimates are for educational purposes only and are not financial, legal, or investment advice. CalSTRS pension estimates use your projected final year salary and credited years of service at retirement, multiplied by your age factor. CalPERS estimates use a simplified benefit factor based on your selected formula. Actual benefits depend on your specific plan terms, final compensation calculation, and other factors. Please consult your pension system or a qualified financial advisor for personalized guidance.
California Pension Review is an independent educational resource and is not affiliated with CalSTRS, CalPERS, or any government agency.
Book your personalized review
Choose a date and time for a no-obligation 60-minute review. All times are Pacific.