Annuity calculation estimates
Service retirement Defined Benefit Supplement tables are as of September 1, 2024.
For the most up-to-date information, see the CalSTRS Member Handbook.
Member-only annuity
This provides a lifetime monthly payment. Any balance remaining upon your death will be paid to your one-time death benefit recipient.
The ages in the table below refer to your age at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $22 | $22 | $23 | $25 |
| $5,000 | $31 | $32 | $33 | $35 |
| $7,500 | $47 | $48 | $50 | $53 |
| $10,000 | $62 | $64 | $67 | $71 |
| $15,000 | $93 | $96 | $100 | $106 |
| $20,000 | $124 | $128 | $134 | $142 |
| $25,000 | $155 | $160 | $167 | $177 |
| $30,000 | $186 | $192 | $201 | $213 |
| $40,000 | $249 | $256 | $267 | $283 |
| $50,000 | $311 | $321 | $334 | $354 |
Defined Benefit Supplement period-certain annuity estimates
This annuity provides a monthly annuity payable from three to 10 years. A Period-Certain Annuity of three to nine years may be rolled over to another qualified plan each month.
| Defined Benefit Supplement account balance | 3 year | 4 year | 5 year | 6 year | 7 year | 8 year | 9 year | 10 year |
|---|---|---|---|---|---|---|---|---|
| $3,500 | $108 | $83 | $69 | $59 | $52 | $47 | $43 | $40 |
| $5,000 | $154 | $119 | $99 | $85 | $75 | $68 | $62 | $58 |
| $7,500 | $231 | $179 | $148 | $127 | $112 | $101 | $93 | $86 |
| $10,000 | $308 | $238 | $197 | $169 | $150 | $135 | $124 | $115 |
| $15,000 | $462 | $358 | $296 | $254 | $225 | $203 | $186 | $173 |
| $20,000 | $616 | $477 | $394 | $339 | $300 | $271 | $248 | $230 |
| $25,000 | $769 | $596 | $493 | $424 | $375 | $338 | $310 | $288 |
| $30,000 | $923 | $715 | $591 | $508 | $450 | $406 | $372 | $345 |
| $40,000 | $1,231 | $954 | $788 | $678 | $600 | $541 | $496 | $460 |
| $50,000 | $1,539 | $1,192 | $985 | $847 | $749 | $676 | $620 | $575 |
Defined Benefit Supplement 100% beneficiary annuity estimates
This choice provides a monthly annuity payment for your lifetime and the lifetime of your annuity beneficiary. One hundred percent of your monthly annuity payment will be paid to your annuity beneficiary upon your death. If your beneficiary dies first, your payment will rise to the Member-Only annuity amount.
The ages in the table below refer to the age of your annuity beneficiary at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $21 | $21 | $21 | $21 |
| $5,000 | $30 | $30 | $30 | $30 |
| $7,500 | $45 | $45 | $45 | $46 |
| $10,000 | $60 | $60 | $61 | $61 |
| $15,000 | $89 | $90 | $91 | $91 |
| $20,000 | $119 | $120 | $121 | $122 |
| $25,000 | $149 | $150 | $151 | $152 |
| $30,000 | $179 | $180 | $182 | $183 |
| $40,000 | $238 | $240 | $242 | $244 |
| $50,000 | $298 | $300 | $303 | $305 |
Note: The Defined Benefit Supplement annuity estimates above are not valid for CalSTRS disability benefit recipients. Option factors are adjusted periodically.
The ages in the table below refer to the age of your annuity beneficiary at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $21 | $21 | $22 | $22 |
| $5,000 | $30 | $30 | $31 | $31 |
| $7,500 | $45 | $46 | $46 | $47 |
| $10,000 | $60 | $61 | $62 | $62 |
| $15,000 | $90 | $91 | $92 | $93 |
| $20,000 | $120 | $121 | $123 | $124 |
| $25,000 | $150 | $152 | $154 | $155 |
| $30,000 | $180 | $182 | $185 | $187 |
| $40,000 | $240 | $243 | $246 | $249 |
| $50,000 | $300 | $304 | $308 | $311 |
Note: The Defined Benefit Supplement annuity estimates above are not valid for CalSTRS disability benefit recipients. Option factors are adjusted periodically.
The ages in the table below refer to the age of your annuity beneficiary at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $21 | $21 | $22 | $22 |
| $5,000 | $30 | $31 | $31 | $32 |
| $7,500 | $45 | $46 | $47 | $48 |
| $10,000 | $60 | $61 | $63 | $64 |
| $15,000 | $90 | $92 | $94 | $95 |
| $20,000 | $121 | $123 | $125 | $127 |
| $25,000 | $151 | $154 | $156 | $159 |
| $30,000 | $181 | $184 | $188 | $191 |
| $40,000 | $241 | $246 | $250 | $255 |
| $50,000 | $302 | $307 | $313 | $318 |
Note: The Defined Benefit Supplement annuity estimates above are not valid for CalSTRS disability benefit recipients. Option factors are adjusted periodically.
The ages in the table below refer to the age of your annuity beneficiary at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $21 | $22 | $22 | $23 |
| $5,000 | $30 | $31 | $32 | $33 |
| $7,500 | $45 | $46 | $48 | $49 |
| $10,000 | $61 | $62 | $64 | $65 |
| $15,000 | $91 | $93 | $95 | $98 |
| $20,000 | $121 | $124 | $127 | $130 |
| $25,000 | $152 | $155 | $159 | $163 |
| $30,000 | $182 | $186 | $191 | $196 |
| $40,000 | $243 | $248 | $254 | $261 |
| $50,000 | $303 | $310 | $318 | $326 |
Note: The Defined Benefit Supplement annuity estimates above are not valid for CalSTRS disability benefit recipients. Option factors are adjusted periodically.
Defined Benefit Supplement 75% beneficiary annuity estimates
This choice provides a monthly annuity payment for your lifetime and the lifetime of your annuity beneficiary. Seventy-five percent of your monthly annuity payment will be paid to your annuity beneficiary upon your death. If your beneficiary dies first, your payment will rise to the Member-Only annuity amount.
The ages in the table below refer to the age of your annuity beneficiary at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $21 | $21 | $21 | $22 |
| $5,000 | $30 | $30 | $31 | $31 |
| $7,500 | $45 | $46 | $46 | $46 |
| $10,000 | $60 | $61 | $61 | $62 |
| $15,000 | $91 | $91 | $92 | $92 |
| $20,000 | $121 | $122 | $122 | $123 |
| $25,000 | $151 | $152 | $153 | $154 |
| $30,000 | $181 | $183 | $184 | $185 |
| $40,000 | $242 | $243 | $245 | $246 |
| $50,000 | $302 | $304 | $306 | $308 |
The ages in the table below refer to the age of your annuity beneficiary at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $21 | $22 | $22 | $22 |
| $5,000 | $31 | $31 | $31 | $32 |
| $7,500 | $46 | $46 | $47 | $47 |
| $10,000 | $61 | $62 | $63 | $63 |
| $15,000 | $92 | $93 | $94 | $95 |
| $20,000 | $123 | $124 | $125 | $126 |
| $25,000 | $153 | $155 | $156 | $158 |
| $30,000 | $184 | $186 | $188 | $189 |
| $40,000 | $246 | $248 | $250 | $252 |
| $50,000 | $307 | $310 | $313 | $315 |
Note: The Defined Benefit Supplement annuity estimates above are not valid for CalSTRS disability benefit recipients. Option factors are adjusted periodically.
The ages in the table below refer to the age of your annuity beneficiary at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $22 | $22 | $22 | $23 |
| $5,000 | $31 | $32 | $32 | $32 |
| $7,500 | $47 | $47 | $48 | $49 |
| $10,000 | $62 | $63 | $64 | $65 |
| $15,000 | $94 | $95 | $96 | $97 |
| $20,000 | $125 | $127 | $128 | $130 |
| $25,000 | $156 | $158 | $160 | $162 |
| $30,000 | $187 | $190 | $192 | $195 |
| $40,000 | $250 | $253 | $257 | $260 |
| $50,000 | $312 | $316 | $321 | $325 |
Note: The Defined Benefit Supplement annuity estimates above are not valid for CalSTRS disability benefit recipients. Option factors are adjusted periodically.
The ages in the table below refer to the age of your annuity beneficiary at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $22 | $23 | $23 | $24 |
| $5,000 | $32 | $32 | $33 | $34 |
| $7,500 | $48 | $49 | $50 | $50 |
| $10,000 | $64 | $65 | $66 | $67 |
| $15,000 | $95 | $97 | $99 | $101 |
| $20,000 | $127 | $130 | $132 | $135 |
| $25,000 | $159 | $162 | $165 | $168 |
| $30,000 | $191 | $194 | $198 | $202 |
| $40,000 | $255 | $259 | $264 | $269 |
| $50,000 | $318 | $324 | $330 | $337 |
Note: The Defined Benefit Supplement annuity estimates above are not valid for CalSTRS disability benefit recipients. Option factors are adjusted periodically.
Defined Benefit Supplement 50% beneficiary annuity estimates
This choice provides a monthly annuity payment for your lifetime and the lifetime of your annuity beneficiary. Fifty percent of your monthly annuity payment will be paid to your annuity beneficiary upon your death. If your beneficiary dies first, your payment will rise to the Member-Only annuity amount.
The ages in the table below refer to the age of your annuity beneficiary at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $21 | $22 | $22 | $22 |
| $5,000 | $31 | $31 | $31 | $31 |
| $7,500 | $46 | $46 | $46 | $46 |
| $10,000 | $61 | $62 | $62 | $62 |
| $15,000 | $92 | $92 | $93 | $93 |
| $20,000 | $123 | $123 | $124 | $124 |
| $25,000 | $153 | $154 | $154 | $155 |
| $30,000 | $184 | $185 | $185 | $186 |
| $40,000 | $245 | $246 | $247 | $248 |
| $50,000 | $307 | $308 | $309 | $310 |
Note: The Defined Benefit Supplement annuity estimates above are not valid for CalSTRS disability benefit recipients. Option factors are adjusted periodically.
The ages in the table below refer to the age of your annuity beneficiary at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $22 | $22 | $22 | $22 |
| $5,000 | $31 | $32 | $32 | $32 |
| $7,500 | $47 | $47 | $48 | $48 |
| $10,000 | $63 | $63 | $63 | $64 |
| $15,000 | $94 | $95 | $95 | $96 |
| $20,000 | $125 | $126 | $127 | $128 |
| $25,000 | $157 | $158 | $159 | $159 |
| $30,000 | $188 | $189 | $190 | $191 |
| $40,000 | $251 | $252 | $254 | $255 |
| $50,000 | $313 | $315 | $317 | $319 |
Note: The Defined Benefit Supplement annuity estimates above are not valid for CalSTRS disability benefit recipients. Option factors are adjusted periodically.
The ages in the table below refer to the age of your annuity beneficiary at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $23 | $23 | $23 | $23 |
| $5,000 | $32 | $32 | $33 | $33 |
| $7,500 | $48 | $49 | $49 | $50 |
| $10,000 | $64 | $65 | $66 | $66 |
| $15,000 | $97 | $97 | $98 | $99 |
| $20,000 | $129 | $130 | $131 | $132 |
| $25,000 | $161 | $162 | $164 | $165 |
| $30,000 | $193 | $195 | $197 | $198 |
| $40,000 | $257 | $260 | $262 | $264 |
| $50,000 | $322 | $325 | $328 | $331 |
Note: The Defined Benefit Supplement annuity estimates above are not valid for CalSTRS disability benefit recipients. Option factors are adjusted periodically.
The ages in the table below refer to the age of your annuity beneficiary at retirement.
| Defined Benefit Supplement account balance | Age 50 | Age 55 | Age 60 | Age 65 |
|---|---|---|---|---|
| $3,500 | $23 | $24 | $24 | $24 |
| $5,000 | $33 | $34 | $34 | $35 |
| $7,500 | $50 | $51 | $51 | $52 |
| $10,000 | $67 | $67 | $68 | $69 |
| $15,000 | $100 | $101 | $102 | $104 |
| $20,000 | $133 | $135 | $137 | $138 |
| $25,000 | $166 | $168 | $171 | $173 |
| $30,000 | $200 | $202 | $205 | $207 |
| $40,000 | $266 | $269 | $273 | $277 |
| $50,000 | $333 | $337 | $341 | $346 |
Note: The Defined Benefit Supplement annuity estimates above are not valid for CalSTRS disability benefit recipients. Option factors are adjusted periodically.