To estimate your retirement benefit, you will need your current service credit (found on your current Annual Statement of Account) and your current salary.

• Retirement Benefit Calculator
  Estimate your retirement benefits under the Defined Benefit Program.



• The Defined Benefit Supplement Program allows members to receive a lump sum or a monthly annuity at retirement if the account balance is at least $3,500. The DBS Annuity Estimate table allows you to learn more about the annuities available and provides an estimate for each annuity type based on various account balances and age at retirement.

You can redeposit if you return to CalSTRS membership or are a member of certain other California public retirement systems or if your former spouse or registered domestic partner withdrew contributions as part of a community property settlement. You can choose to purchase a portion, rather than all, of the service credit represented by the refund.

• Redeposit Calculator
  Estimate the cost to restore all or a portion of the service credit represented by the refund or your withdrawn CalSTRS retirement funds or by your former spouse or registered domestic partner.

You can purchase additional service credit for performing certain other, non-CalSTRS activities. You may choose to purchase a portion, rather than all, of any permissive service credit you have eligibility to purchase. See the Purchase Additional Service Credit brochure for more information.

• Permissive Service Credit Calculator
  Estimate costs to purchase additional service credit.

CalSTRS Defined Benefit Program members who have at least five years of credited service in CalSTRS, may purchase up to five years of nonqualified service credit. Nonqualified service credit, also known as “air time,” is service credit that is not connected to any specific prior employment. This service does not count towards qualifying for career-based enhancements such as the career factor, the longevity bonus and highest single year final compensation.

• CalSTRS Nonqualified Service Credit Purchase Calculator
  Estimate the purchase price for the number of years of credit you wish to buy or the number of years of credit you can purchase with the amount of funds you have available.

Estimate how much your payments would be if you financed the purchase of service credit or the redeposit of previously withdrawn CalSTRS funds.

To use either of the calculators below, first determine the overall cost of your purchase by using the permissive service credit calculator or the redeposit calculator.

• Cash Payments Calculator
  Estimate amount to finance if purchase is made by cash payments.


• Payroll Deduction Calculator
  Estimate amount to finance if purchase is made through payroll deductions.