Your savings calculator: The power of time and money
Your CalSTRS retirement benefit will generally replace 50% to 60% of your final salary—but you’ll likely need more income in retirement. Consider starting an additional savings account such as a 403(b) or 457(b) account.
What if I start saving today?
Saving even a little now can really add up later. If you start contributing $100 per month today, using an assumed interest rate of 5%, you could have $1,222.89 a year from now based on the principle of time and compounding.
Use this calculator to find out how much you could save if you invest a different amount each month over a longer time period.
* This estimate-only calculator illustrates the principle of time and compounding using an assumed interest rate of 5%. This hypothetical illustration is not intended to serve as a projection of the investment results of any investment. CalSTRS Pension2 does not guarantee any rate of return on investments.
Act now, why wait?
The more time you have, the greater the benefit of compounding.*
See the difference a few years can make. Use this supplemental savings calculator to see your potential account value at age 65.**
* Interest credited on both principal and previously credited interest.
** This calculator illustrates the principal of time and compounding. The assumed yield of 5% is hypothetical and is not intended to serve as a projection of the investment results of any specific investment. Investing involves market risk, including the possible loss of your contributions.
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Website Accessibility Policy
CalSTRS is fully committed to providing accessible facilities, elements and
channels of communication to all members of the public. As part of this commitment, CalSTRS
has a policy of providing an accessible website compatible with the Web Content Accessibility Guidelines (WCAG 2.1) and
commercial screen reading software. All features of the website are coded to allow individuals with vision and
other impairments to understand and use the website to the same degree as someone without disabilities. We welcome
feedback and can often resolve issues in a timely manner if they arise.
If you need any special assistance or accommodations:
CalSTRS has designated a compliance officer for website disability-related accommodations.
The compliance officer has received training in website accessibility and updates the site in accordance with those best
practices. Contact our accessibility officer to report an issue.
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In addition to testing with users with a wide range of disabilities and coding our website to WCAG standards,
CalSTRS regularly scans its website to ensure ongoing compliance, and makes timely
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