CalPERS Planning Tools
CalPERSNine tools to help analyze CalPERS benefits in a divorce settlement. All calculations are client-side and private.
Division of Assets Calculator
Model A and Model B QDRO formulas for all five CalPERS plan types — the core benefit division calculation.
Benefit Estimator
Estimate monthly retirement benefit from final compensation, service credit, and tier.
Brown Formula / Time Rule
Calculate the community property fraction using the Time Rule (date of hire, marriage, separation, retirement).
Present Value Estimator
Discount a stream of future pension payments to a lump-sum present value today.
Offset Calculator
Compare taking the pension QDRO share versus an equivalent cash or property offset.
Retirement Age Comparison
Side-by-side monthly benefit at ages 52 through 65 for any tier and service level.
Survivor Benefit Modeler
Show the monthly reduction and cost of Option 1 (100%) or Option 2 (50%) survivor continuance.
COLA Projection
Year-by-year benefit growth under a given COLA rate with chart and table output.
Settlement Worksheet
Enter each party's assets — pension PV, home equity, savings, debts — and compare to 50/50 equal split.
Suggested workflow for a QDRO analysis:
- Brown Formula — determine the community property fraction
- Benefit Estimator — estimate the full monthly benefit at the expected retirement age
- Present Value — convert the CP share to a lump-sum PV using a discount rate
- Offset Calculator — compare QDRO vs. cash/property offset
- Settlement Worksheet — verify the overall division is equitable