CalSTRS QDRO Planning Tools
CalSTRSSix tools to analyze CalSTRS benefits in a divorce settlement. Uses CalSTRS-specific terminology, tiers, and formulas. All calculations are client-side and private.
Division of Assets Calculator
Compare Shared account (member's salary at retirement) vs Segregated account (salary locked at separation) — side-by-side non-member monthly benefit.
Benefit Estimator
Final Average Salary × Years of Service × Age Factor. Supports 2% @ 60 (with Career Factor) and 2% @ 62 tiers.
Time Rule / CP Fraction
Calculate the community property fraction: CalSTRS service during marriage ÷ total projected service.
Survivor Benefit Modeler
Compare Standard Annuity, Option 1 (100%), Option 2 (50%), and Option 3 (custom %) — with member reduction and beneficiary amounts.
DBS Account Tool
Divide the Defined Benefit Supplement account balance using the community property fraction.
COLA Projection
Year-by-year benefit growth under CalSTRS CPI-based COLA (capped at 2%/yr) with chart and table.
Suggested workflow for a CalSTRS Joinder analysis:
- Time Rule — calculate the community property fraction from date of first CalSTRS employment, marriage, and separation
- Benefit Estimator — estimate the full monthly benefit at the expected retirement age (check Career Factor eligibility)
- DBS Account Tool — calculate the CP share of the DBS balance separately