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2020 CalSTRS demographic actuarial assumptions

The use of the demographic actuarial assumptions provided on this website by anyone else other than a qualified actuary is not recommended. The user of such information must understand how to use this information appropriately. CalSTRS is not responsible for misuse of the actuarial assumptions provided here.

Download 2020 Actuarial Experience AnalysisDownload Replication and Review of 2020 Experience Analysis

 

Mortality for retirees & beneficiaries

Rates effective in 2019 valuation year.

For generational mortality purposes, these base mortality rates are as of June 30, 2019.

View table – Retired members 
AgeMaleFemale
150.000280.00015
160.000340.00017
170.000390.00020
180.000450.00022
190.000510.00024
200.000570.00025
210.000630.00027
220.000700.00028
230.000760.00029
240.000790.00029
250.000800.00029
260.000750.00029
270.000720.00030
280.000700.00030
290.000690.00031
300.000690.00032
310.000700.00033
320.000720.00035
330.000740.00037
340.000760.00039
350.000790.00041
360.000810.00044
370.000830.00046
380.000850.00049
390.000890.00051
400.000920.00054
410.000970.00057
420.001040.00060
430.001120.00065
440.001230.00071
450.001360.00077
460.001510.00085
470.001690.00094
480.001890.00105
490.002110.00117
500.002350.00131
510.002620.00146
520.002820.00161
530.003030.00179
540.003250.00196
550.003460.00206
560.003700.00217
570.003900.00229
580.004120.00242
590.004370.00257
600.004640.00274
610.004940.00293
620.005280.00315
630.005660.00340
640.006100.00368
650.006590.00413
660.007170.00461
670.007840.00510
680.008620.00563
690.009520.00620
700.010560.00681
710.011850.00767
720.013310.00865
730.014970.00977
740.016840.01105
750.018940.01252
760.021320.01421
770.024030.01616
780.027120.01841
790.030660.02101
800.034750.02401
810.039470.02749
820.044940.03151
830.051240.03619
840.058500.04160
850.066820.04788
860.076360.05519
870.087260.06368
880.099590.07345
890.113600.08474
900.128930.09746
910.145510.11167
920.162950.12726
930.181300.14435
940.200350.16278
950.220380.18269
960.240120.20103
970.260780.22042
980.282390.24095
990.302420.26088
1000.322760.28094
1010.343050.30130
1020.363330.32198
1030.383050.34246
1040.402270.36275
1050.420850.38268
1060.438940.40233
1070.455970.42115
1080.472120.43922
1090.487350.45648
1100.494250.47310
1110.495340.48854
1120.496440.49644
1130.497530.49753
1140.498900.49890
1150.500000.50000
1160.500000.50000
1170.500000.50000
1180.500000.50000
1190.500000.50000
1201.000001.00000
1211.000001.00000
1221.000001.00000
1231.000001.00000
1241.000001.00000
View table – Beneficiaries 
AgeMaleFemale
150.000280.00015
160.000340.00017
170.000390.00020
180.000450.00022
190.000510.00024
200.000570.00025
210.000630.00027
220.000700.00028
230.000760.00029
240.000790.00029
250.000800.00029
260.000750.00029
270.000720.00030
280.000700.00030
290.000690.00031
300.000690.00032
310.000700.00033
320.000720.00035
330.000740.00037
340.000760.00039
350.000790.00041
360.000810.00044
370.000830.00046
380.000850.00049
390.000890.00051
400.000920.00054
410.000970.00057
420.001040.00060
430.001120.00065
440.001230.00071
450.001360.00077
460.001510.00085
470.001690.00094
480.001890.00105
490.002110.00117
500.002350.00131
510.002620.00146
520.002820.00161
530.003030.00179
540.003250.00196
550.003460.00206
560.003700.00217
570.003900.00229
580.004120.00242
590.004370.00257
600.004640.00274
610.004940.00293
620.005280.00315
630.005660.00340
640.006100.00368
650.006590.00413
660.007170.00461
670.007840.00510
680.008620.00563
690.009520.00620
700.010560.00681
710.011850.00767
720.013310.00865
730.014970.00977
740.016840.01105
750.018940.01252
760.021320.01421
770.024030.01616
780.027120.01841
790.030660.02101
800.034750.02401
810.039470.02749
820.044940.03151
830.051240.03619
840.058500.04160
850.066820.04788
860.076360.05519
870.087260.06368
880.099590.07345
890.113600.08474
900.128930.09746
910.145510.11167
920.162950.12726
930.181300.14435
940.200350.16278
950.220380.18269
960.240120.20103
970.260780.22042
980.282390.24095
990.302420.26088
1000.322760.28094
1010.343050.30130
1020.363330.32198
1030.383050.34246
1040.402270.36275
1050.420850.38268
1060.438940.40233
1070.455970.42115
1080.472120.43922
1090.487350.45648
1100.494250.47310
1110.495340.48854
1120.496440.49644
1130.497530.49753
1140.498900.49890
1150.500000.50000
1160.500000.50000
1170.500000.50000
1180.500000.50000
1190.500000.50000
1201.000001.00000
1211.000001.00000
1221.000001.00000
1231.000001.00000
1241.000001.00000
View table – Disabled (after three years) 

 

AgeMaleFemale
150.000280.00015
160.000340.00017
170.000390.00020
180.000450.00022
190.000510.00024
200.005440.00205
210.006110.00211
220.006730.00211
230.007440.00211
240.008090.00211
250.008430.00216
260.008550.00220
270.008020.00226
280.007660.00233
290.007440.00244
300.007360.00256
310.007390.00268
320.007490.00284
330.007670.00301
340.007900.00318
350.008150.00336
360.008420.00354
370.008670.00373
380.008880.00391
390.009130.00414
400.009450.00442
410.009860.00476
420.010410.00516
430.011120.00564
440.012010.00622
450.013140.00689
460.014520.00768
470.016120.00856
480.016790.00912
490.017440.00967
500.018070.01021
510.018690.01074
520.019300.01127
530.019890.01178
540.020460.01228
550.021020.01277
560.021570.01324
570.022110.01370
580.022660.01415
590.023240.01461
600.023840.01507
610.024480.01556
620.025170.01608
630.025940.01666
640.026790.01729
650.027740.01800
660.028800.01881
670.029980.01974
680.031300.02079
690.032770.02200
700.034400.02337
710.036200.02493
720.038180.02669
730.040350.02865
740.042740.03084
750.045360.03326
760.048220.03592
770.051370.03884
780.054820.04202
790.058610.04549
800.062790.04926
810.067400.05334
820.072490.05775
830.078120.06252
840.084340.06766
850.091220.07320
860.098870.07920
870.107390.08570
880.116720.09264
890.127070.10017
900.138400.10820
910.150930.11691
920.164610.12621
930.178570.13661
940.192610.14790
950.206970.16019
960.221790.17353
970.236880.18772
980.252370.20282
990.268020.21856
1000.283970.23499
1010.300210.25207
1020.316950.26988
1030.333850.28808
1040.351090.30677
1050.368680.32588
1060.386840.34555
1070.405170.36536
1080.423880.38544
1090.441850.40501
1100.459250.42418
1110.475520.44238
1120.490850.45976
1130.497530.47624
1140.498900.49205
1150.500000.50000
1160.500000.50000
1170.500000.50000
1180.500000.50000
1190.500000.50000
1201.000001.00000
1211.000001.00000
1221.000001.00000
1231.000001.00000
1241.000001.00000
YearMaleFemale
First0.040000.03000
Second0.035000.02500
Third0.030000.02000
View table – Active members 
AgeMaleFemale
150.000130.000069
160.000180.000085
170.000240.000093
180.000270.000101
190.000280.000101
200.000260.000101
210.000230.000093
220.000190.000077
230.000160.000069
240.000140.000069
250.000120.000069
260.000130.000077
270.000140.000077
280.000150.000085
290.000160.000093
300.000170.000108
310.000190.000116
320.000190.000123
330.000210.000132
340.000220.000147
350.000230.000154
360.000250.000169
370.000260.000185
380.000290.000200
390.000300.000223
400.000320.000239
410.000350.000261
420.000390.000286
430.000420.000316
440.000460.000339
450.000520.000369
460.000570.000408
470.000630.000446
480.000700.000486
490.000770.000523
500.000850.000562
510.000940.000608
520.001020.000662
530.001120.000708
540.001220.000762
550.001320.000824
560.001440.000885
570.001560.000954
580.001700.001039
590.001860.001131
600.002030.001239
610.002240.001363
620.002470.001508
630.002720.001670
640.003020.001862
650.003350.002077
660.003700.002324
670.004090.002600
680.004520.002924
690.004980.003301
700.005460.003733
710.005960.004232
720.006490.004810
730.007050.005463
740.007640.006225
750.008290.007087
760.009500.008126
770.010880.009318
780.012470.010688
790.014300.012250
800.016390.014050
Projected annual mortality improvement 

The use of the demographic actuarial assumptions provided on this website by anyone else other than a qualified actuary is not recommended. The user of such information must understand how to use this information appropriately. CalSTRS is not responsible for misuse of the actuarial assumptions provided here.

AgeMale & Female
150.01100
160.01100
170.01100
180.01100
190.01100
200.01100
210.01100
220.01100
230.01100
240.01100
250.01100
260.01100
270.01100
280.01100
290.01100
300.01100
310.01100
320.01100
330.01100
340.01100
350.01100
360.01100
370.01100
380.01100
390.01100
400.01100
410.01100
420.01100
430.01100
440.01100
450.01100
460.01100
470.01100
480.01100
490.01100
500.01100
510.01100
520.01100
530.01100
540.01100
550.01100
560.01100
570.01100
580.01100
590.01100
600.01100
610.01100
620.01100
630.01100
640.01100
650.01100
660.01100
670.01100
680.01100
690.01100
700.01100
710.01100
720.01100
730.01100
740.01100
750.01100
760.01100
770.01100
780.01100
790.01100
800.01100
810.01100
820.01100
830.01100
840.01100
850.01100
860.01089
870.01067
880.01056
890.01034
900.01023
910.01001
920.00990
930.00968
940.00957
950.00935
960.00891
970.00847
980.00792
990.00748
1000.00704
1010.00660
1020.00605
1030.00561
1040.00517
1050.00473
1060.00418
1070.00374
1080.00330
1090.00286
1100.00231
1110.00187
1120.00143
1130.00099
1140.00044
1150.00000
1160.00000
1170.00000
1180.00000
1190.00000
1200.00000
1210.00000
1220.00000
1230.00000
1240.00000

 

 

Service retirement – 2% at 60 members (Females)

The assumptions shown are for retirement from active status. It is assumed that all vested terminated members retire at age 60 (2% at 60 members).

The use of the demographic actuarial assumptions provided on this website by anyone else other than a qualified actuary is not recommended. The user of such information must understand how to use this information appropriately. CalSTRS is not responsible for misuse of the actuarial assumptions provided here.

View Table 
Age5 -9 years of credited services10 - 14 years of credited services15 - 19 years of credited services20 - 24  years of credited services25 years of credited services26 - 29 years of credited services30 years of credited services31 or more years of credited services
500.0000.0000.0000.0000.0000.0000.0600.045
510.0000.0000.0000.0000.0000.0000.0350.030
520.0000.0000.0000.0000.0000.0000.0350.030
530.0000.0000.0000.0000.0000.0000.0350.030
540.0000.0000.0000.0000.0000.0000.0350.030
550.0200.0300.0350.0450.0600.0500.0850.065
560.0150.0200.0250.0350.0500.0400.0850.065
570.0150.0200.0250.0350.0600.0500.0950.075
580.0200.0300.0350.0450.0700.0550.1450.110
590.0300.0400.0550.0700.1000.0800.1800.140
600.0400.0550.0750.0950.1550.1250.3050.230
610.0500.0700.0950.1200.2150.1700.5000.500
620.0700.1000.1300.1700.3300.2600.4800.480
630.0900.1300.1700.2150.4200.3350.3800.380
640.0750.1100.1450.1900.3600.2850.3600.360
650.1000.1450.1900.2450.3900.3100.3800.380
660.1000.1450.1900.2450.3600.2850.3200.320
670.0900.1300.1700.2150.3600.2850.3200.320
680.0900.1300.1700.2150.3600.2850.3000.300
690.0900.1300.1700.2150.3600.2850.3000.300
700.0900.1300.1700.2150.3600.2850.3000.300
710.0850.1200.1600.2050.3600.2850.3000.300
720.0850.1200.1600.2050.3600.2850.3000.300
730.0850.1200.1600.2050.3600.2850.3000.300
740.0850.1200.1600.2050.3600.2850.3000.300
75+1.0001.0001.0001.0001.0001.0001.0001.000

 

Service retirement – 2% at 60 members (Males)

The assumptions shown are for retirement from active status. It is assumed that all vested terminated members retire at age 60 (2% at 60 members).

The use of the demographic actuarial assumptions provided on this website by anyone else other than a qualified actuary is not recommended. The user of such information must understand how to use this information appropriately. CalSTRS is not responsible for misuse of the actuarial assumptions provided here.

View table 
Age 5 - 9 years of credited service10 - 14 years of credited service15 - 19 years of credited service20 - 24 years of credited service25 years of credited service26 - 29 years of credited service30 years of credited service31 or more years of credited service
500.0000.0000.0000.0000.0000.0000.0600.045
510.0000.0000.0000.0000.0000.0000.0350.025
520.0000.0000.0000.0000.0000.0000.0350.025
530.0000.0000.0000.0000.0000.0000.0350.025
540.0000.0000.0000.0000.0000.0000.0350.025
550.0200.0250.0300.0400.0600.0500.0750.055
560.0150.0150.0200.0250.0400.0350.0750.055
570.0150.0150.0200.0250.0400.0350.1000.075
580.0200.0200.0250.0350.0600.0500.1250.090
590.0300.0300.0400.0500.0850.0700.1850.135
600.0400.0500.0650.0800.1150.0950.2800.205
610.0500.0550.0750.0900.1600.1350.5000.500
620.0700.0800.1050.1300.2550.2100.4500.450
630.0850.0950.1250.1550.3450.2900.3500.350
640.0900.1050.1350.1700.2750.2300.3000.300
650.1100.1300.1700.2100.3200.2700.3250.325
660.1100.1300.1700.2100.2750.2300.3000.300
670.1100.1300.1700.2100.2750.2300.2700.270
680.1000.1100.1450.1800.2750.2300.2700.270
690.1000.1100.1450.1800.2750.2300.2500.250
700.1000.1100.1450.1800.2750.2300.2500.250
710.0900.1000.1300.1650.2750.2300.2500.250
720.0900.1000.1300.1650.2750.2300.2500.250
730.0900.1000.1300.1650.2750.2300.2500.250
740.0900.1000.1300.1650.2750.2300.2500.250
75+1.0001.0001.0001.0001.0001.0001.0001.000

 

Service retirement – 2% at 62 members (Females)

The assumptions shown are for retirement from active status. It is assumed that all vested terminated members retire at age 62 (2% at 62 members).

The use of the demographic actuarial assumptions provided on this website by anyone else other than a qualified actuary is not recommended. The user of such information must understand how to use this information appropriately. CalSTRS is not responsible for misuse of the actuarial assumptions provided here.

View Table 
Age5 - 9 years of credited services10 - 14 years of credited services15 - 19 years of credited services20 - 24 years of credited services25 - 29 years of credited services30 or more years of credited services
500.0000.0000.0000.0000.0000.000
510.0000.0000.0000.0000.0000.000
520.0000.0000.0000.0000.0000.000
530.0000.0000.0000.0000.0000.000
540.0000.0000.0000.0000.0000.000
550.0150.0250.0250.0350.0400.050
560.0100.0150.0200.0250.0300.035
570.0100.0150.0200.0250.0400.050
580.0150.0250.0250.0350.0450.055
590.0250.0300.0400.0550.0650.080
600.0300.0400.0550.0700.1000.120
610.0400.0550.0700.0900.1350.160
620.0550.0750.1000.1300.2050.245
630.0550.0800.1050.1400.2150.260
640.0550.0850.1100.1450.2250.270
650.1000.1450.1900.2450.3250.325
660.1000.1450.1900.2450.3000.300
670.1100.1550.2050.2600.3600.360
680.0900.1300.1700.2150.3000.300
690.0900.1300.1700.2150.3000.300
700.0900.1300.1700.2150.3000.300
710.0850.1200.1600.2050.3000.300
720.0850.1200.1600.2050.3000.300
730.0850.1200.1600.2050.3000.300
740.0850.1200.1600.2050.3000.300
75+1.0001.0001.0001.0001.0001.000

 

Service retirement – 2% at 62 members (Males)

The assumptions shown are for retirement from active status. It is assumed that all vested terminated members retire at age 62 (2% at 62 members).

View table 
Age5-9 years of credited service10-14 years of credited service15-19 years of credited service20-24 years of credited service25-29 years of credited service30 or more years of credited service
500.0000.0000.0000.0000.0000.000
510.0000.0000.0000.0000.0000.000
520.0000.0000.0000.0000.0000.000
530.0000.0000.0000.0000.0000.000
540.0000.0000.0000.0000.0000.000
550.0150.0200.0250.0300.0400.050
560.0100.0100.0150.0200.0250.030
570.0100.0100.0150.0200.0250.030
580.0150.0150.0200.0250.0400.050
590.0250.0250.0300.0400.0550.065
600.0300.0400.0500.0600.0750.090
610.0400.0400.0550.0700.1050.125
620.0550.0600.0800.1000.1650.200
630.0650.0700.0900.1150.1750.210
640.0700.0800.1000.1300.1800.215
650.1100.1300.1700.2100.2800.280
660.1100.1300.1700.2100.2400.240
670.1300.1550.2050.2500.2850.285
680.1000.1100.1450.1800.2400.240
690.1000.1100.1450.1800.2400.240
700.1000.1100.1450.1800.2400.240
710.0900.1000.1300.1650.2400.240
720.0900.1000.1300.1650.2400.240
730.0900.1000.1300.1650.2400.240
740.0900.1000.1300.1650.2400.240
75+1.0001.0001.0001.0001.0001.000

 

Service retirement – 1990 structure (Females)

The assumptions shown are for retirement from active status. It is assumed that all vested terminated members retire at age 60.

The use of the demographic actuarial assumptions provided on this website by anyone else other than a qualified actuary is not recommended. The user of such information must understand how to use this information appropriately. CalSTRS is not responsible for misuse of the actuarial assumptions provided here.

View table 
Age5 - 9 years of credited service10 - 14 years of credited service15 - 19 years of credited service20 - 24 years of credited service25 - 29 years of credited service30 or more years of credited service
500.0000.0000.0000.0000.0000.000
510.0000.0000.0000.0000.0000.000
520.0000.0000.0000.0000.0000.000
530.0000.0000.0000.0000.0000.000
540.0100.0100.0150.0150.0150.015
550.0400.0550.0650.0700.0750.080
560.0250.0350.0400.0450.0450.050
570.0250.0350.0400.0450.0450.050
580.0400.0550.0650.0700.0750.080
590.0850.1100.1250.1400.1450.160
600.1300.1750.2000.2200.2300.255
610.0900.1200.1350.1500.1600.175
620.0900.1200.1350.1500.1600.175
630.0900.1200.1350.1500.1600.175
640.1100.1450.1600.1800.1900.205
650.1100.1450.1600.1800.1900.205
660.1100.1450.1600.1800.1900.205
670.1100.1450.1600.1800.1900.205
680.0950.1300.1450.1600.1700.185
690.0950.1300.1450.1600.1700.185
70+1.0001.0001.0001.0001.0001.000

 

Service retirement – 1990 structure (Males)

The assumptions shown are for retirement from active status. It is assumed that all vested terminated members retire at age 60.

View table 
Age5-9 years of credited service10-14 years of credited service15-19 years of credited service20-24 years of credited service25-29 years of credited service30 or more years of credited service
500.0000.0000.0000.0000.0000.000
510.0000.0000.0000.0000.0000.000
520.0000.0000.0000.0000.0000.000
530.0000.0000.0000.0000.0000.000
540.0100.0100.0150.0150.0150.015
550.0350.0450.0500.0600.0600.065
560.0250.0300.0350.0400.0400.045
570.0300.0400.0450.0500.0500.055
580.0400.0550.0600.0700.0700.080
590.1050.1400.1600.1750.1850.200
600.1500.2000.2250.2500.2650.290
610.1000.1300.1500.1650.1750.190
620.1000.1300.1500.1650.1750.190
630.0900.1200.1350.1500.1600.175
640.1050.1400.1600.1750.1850.200
650.1200.1600.1800.2000.2100.230
660.0950.1300.1450.1600.1700.185
670.0950.1300.1450.1600.1700.185
680.0950.1300.1450.1600.1700.185
690.0950.1300.1450.1600.1700.185
70+1.0001.0001.0001.0001.0001.000

 

Disability retirement

View table – Coverage A 
AgeMaleFemale
150.000150.00015
160.000150.00015
170.000150.00015
180.000150.00015
190.000150.00015
200.000150.00015
210.000150.00015
220.000150.00015
230.000150.00015
240.000150.00015
250.000150.00015
260.000250.00015
270.000250.00015
280.000250.00015
290.000250.00015
300.000250.00025
310.000250.00025
320.000300.00025
330.000300.00030
340.000300.00040
350.000400.00050
360.000500.00055
370.000550.00055
380.000550.00065
390.000550.00065
400.000650.00075
410.000650.00075
420.000650.00075
430.000750.00080
440.000800.00080
450.000900.00090
460.000950.00090
470.001050.00095
480.001150.00120
490.001200.00160
500.001300.00180
510.001400.00185
520.001450.00195
530.001550.00205
540.001600.00210
550.001700.00225
560.001700.00205
570.001700.00185
580.001700.00160
590.001700.00140
600.000000.00000
View table – Coverage B 
AgeMaleFemale
150.000100.00015
160.000100.00015
170.000100.00015
180.000100.00015
190.000100.00015
200.000100.00015
210.000100.00015
220.000100.00015
230.000100.00015
240.000100.00015
250.000100.00015
260.000100.00015
270.000100.00015
280.000150.00015
290.000150.00015
300.000150.00015
310.000200.00020
320.000200.00020
330.000200.00025
340.000200.00030
350.000250.00030
360.000300.00035
370.000350.00040
380.000400.00045
390.000450.00050
400.000500.00055
410.000550.00065
420.000600.00070
430.000700.00080
440.000750.00085
450.000850.00095
460.000950.00110
470.001000.00120
480.001100.00135
490.001150.00150
500.001250.00165
510.001450.00190
520.001650.00215
530.001850.00240
540.002050.00270
550.002350.00285
560.002550.00305
570.002800.00325
580.003050.00335
590.003300.00350
600.003450.00360
610.003650.00370
620.003800.00375
630.003800.00380
640.003800.00380
650.003800.00380
660.003800.00380
670.003800.00380
680.003800.00380
690.003800.00380
700.003800.00380
710.003800.00380
720.003800.00380
730.003800.00380
740.003800.00380
750.000000.00000

 

Probability of refund

The use of the demographic actuarial assumptions provided on this website by anyone else other than a qualified actuary is not recommended. The user of such information must understand how to use this information appropriately. CalSTRS is not responsible for misuse of the actuarial assumptions provided here.

Ages in the table below are the ages of entry for male and female.

View table 
ServiceAge 25 and underAge 25 – 29Age 30 – 34Age 35 – 39Age 40 – 44Age 45 & Up
01.000001.000001.000001.000001.000001.00000
11.000001.000001.000001.000001.000001.00000
21.000001.000001.000001.000001.000001.00000
31.000001.000001.000001.000001.000001.00000
41.000001.000001.000001.000001.000001.00000
50.600000.600000.600000.540000.500000.45000
60.550000.550000.550000.500000.450000.40000
70.500000.500000.500000.460000.400000.35000
80.450000.450000.450000.420000.350000.30000
90.400000.400000.400000.380000.300000.25000
100.380000.380000.380000.340000.250000.20000
110.360000.360000.360000.300000.200000.15000
120.340000.340000.340000.260000.150000.13000
130.320000.320000.320000.230000.130000.11000
140.310000.310000.300000.200000.110000.09000
150.300000.300000.280000.170000.090000.07000
160.290000.290000.260000.140000.070000.05000
170.280000.280000.240000.110000.050000.03000
180.270000.260000.220000.090000.030000.02000
190.260000.240000.200000.070000.020000.02000
200.240000.220000.180000.050000.020000.02000
210.220000.200000.160000.030000.020000.02000
220.200000.180000.140000.030000.020000.02000
230.180000.160000.120000.030000.020000.02000
240.160000.140000.100000.030000.020000.02000
250.140000.120000.080000.030000.020000.02000
260.120000.100000.060000.030000.020000.02000
270.100000.080000.040000.030000.020000.02000
280.080000.060000.040000.030000.020000.02000
290.060000.050000.040000.030000.020000.02000
30 & Up0.050000.050000.040000.030000.020000.02000

 

Merit salary increases

The use of the demographic actuarial assumptions provided on this website by anyone else other than a qualified actuary is not recommended. The user of such information must understand how to use this information appropriately. CalSTRS is not responsible for misuse of the actuarial assumptions provided here.

Ages in the table below are the ages of entry for male and female.

View table 
ServiceAge 25 and underAge 25 – 29Age 30 – 34Age 35 – 39Age 40 – 44Age 45 & Up
00.064000.057500.052500.047500.045000.03700
10.064000.057500.052500.047500.045000.03700
20.060000.055000.050000.045000.042500.03500
30.056000.052500.047500.043000.040500.03250
40.053500.050000.045000.041000.039000.03000
50.051500.047500.042500.039000.037500.02800
60.048500.045000.040000.037000.035000.02600
70.046000.042500.038000.035000.033000.02400
80.044000.040000.036000.033000.030500.02150
90.041000.037500.033000.030000.027500.01900
100.037000.034000.030000.027000.025000.01750
110.032500.030000.027000.023500.022000.01600
120.029000.026000.022000.020500.017500.01450
130.025000.022000.019000.016500.015000.01250
140.020000.019000.016500.013500.013000.01000
150.017500.017000.015000.012000.012000.00900
160.016000.015000.013500.011000.011000.00800
170.015000.014000.013000.010000.010000.00700
180.014000.013000.012500.009000.009000.00600
190.013500.012500.012000.008500.008500.00600
200.013000.012000.011500.008000.008000.00600
210.012500.011500.011000.007500.007500.00550
220.012000.011000.010500.007000.007000.00550
230.011700.010500.010000.006500.006500.00550
240.011400.010000.009500.005500.005500.00550
250.011100.009600.009000.005500.005500.00550
260.010900.009200.008500.005500.005500.00550
270.010600.008800.008000.005500.005500.00550
280.010300.008400.007500.005500.005500.00550
290.009700.008000.007000.005000.005000.00500
300.009100.007500.006500.005000.005000.00500
310.008400.007000.006000.004500.004500.00450
320.007900.006500.005500.004500.004500.00450
330.007500.006500.005500.004500.004500.00450
340.007500.006500.005500.004500.004500.00450
35 & Up0.007500.006500.005500.004500.004500.00450

 

Withdrawal

Rates do not apply if eligible for retirement.

View table 
ServiceMaleFemale
00.122500.11250
10.085000.07000
20.067500.05500
30.054000.04250
40.037500.03250
50.031000.02700
60.027000.02400
70.023500.02150
80.020000.01850
90.018500.01650
100.016500.01500
110.015000.01400
120.013000.01300
130.012000.01200
140.011500.01150
150.010500.01050
160.010000.01000
170.009000.00900
180.008500.00850
190.008000.00800
200.007500.00750
210.007000.00700
220.006500.00650
230.006000.00600
240.005500.00550
250.005000.00500
260.005000.00500
270.005000.00500
280.005000.00450
290.004500.00450
300.004500.00400
310.004500.00400
32 and up0.004500.00400