Six calculators built specifically for CalSTRS Joiners and domestic relations orders — from benefit estimation to COLA projections. All client-side, all private.
Full support for the 2% @ 60 DB Program and the 2% @ 62 CB Program, including the Career Factor bonus.
Dedicated tool for the Defined Benefit Supplement account — a separate balance distinct from the DB pension formula.
CalSTRS-specific Time Rule calculator using date of first covered employment, marriage, and separation.
Compare Standard Annuity, Option 1, Option 2, and Option 3 to model the cost of survivor continuance.
All calculations run client-side in your browser. No data leaves your device.
These distinctions affect how Joiners are drafted and valued.
CalSTRS uses the average of the highest 3 consecutive years (not the final year), making it more favorable than a single-year snapshot.
2% @ 60 members with 30+ years of service credit earn a 0.2% bonus to their age factor (up to 2.4% total) when retiring before age 63.
The Defined Benefit Supplement is a separate account balance distinct from the formula-based DB pension. It requires a separate Joinder and valuation.
CalSTRS calls the domestic relations order a 'Joinder' — terminology matters when drafting orders and communicating with CalSTRS.