Need More for Retirement?

What if I start saving today?

Your CalSTRS Defined Benefit will replace, on average, about 60 percent of your current salary. CalSTRS has a plan to get you to your goals. You can set aside extra money in a low-cost and flexible supplemental savings program.

Choose the number of years of contributions:

Act Now - Why Wait?

The more time you have, the greater the benefit of compounding.

Use this supplemental savings calculator to see your potential account value at age 65.**

Select your current age: 

Choose your monthly contribution: 

Picture Your Retirement

Follow Your Dreams

Ask yourself what you want and need for a comfortable retirement. Visualize what you expect in retirement so that you can develop a plan that will provide you with the information you need to achieve your goals.

Strengthen Your Retirement

Increase Your Benefit

Add to your retirement benefit by increasing one or more of the elements in the retirement benefit formula.

Are You Counting on Social Security?

If you expect a Social Security benefit - through other employment or a spouse - to supplement your CalSTRS benefit, two Social Security provisions may apply to you. These provisions are the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO).

Boost Your Savings

Build Your Personal Wealth Plan

Your CalSTRS retirement benefit is secure and guaranteed for life. It’s smart though to save on your own to maintain your desired lifestyle in retirement.

Do the Math

Use Our Calculators

Use CalSTRS retirement calculators to help you make informed decisions.

Know your retirement formula and create scenarios with your estimated service credit numbers and options for your retirement age. Use our calculators to help you make an informed decision about your retirement plan.