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Annuity calculation estimates
Service retirement Defined Benefit Supplement tables are as of September 1, 2024.
For the most up-to-date information, see theCalSTRS 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.
If you are age 50 at retirement
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.
If you are age 55 at retirement
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.
If you are age 60 at retirement
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.
If you are age 65 at retirement
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.
If you are age 50 at retirement
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 |
If you are age 55 at retirement
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.
If you are age 60 at retirement
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.
If you are age 65 at retirement
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.
If you are age 50 at retirement
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.
If you are age 55 at retirement
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.
If you are age 60 at retirement
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.
If you are age 65 at retirement
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.
Website Accessibility Statement
CalSTRS (the "District") is committed to ensuring that its services are accessible to all members of the public. As part of this commitment, the District strives to provide an accessible website compatible with the Web Content Accessibility Guidelines (WCAG) version 2.1, AA, and commercial screen reading software. Features of the website are created to allow individuals with vision and other impairments to understand and use the website to the same degree as someone without disabilities.
If you need any special assistance or accommodations:
Contact our compliance support team online with your request
Contact our compliance support team via telephone at: (888) 765-1970
Ongoing Compliance Information
Compliance Coordinator
The District has designated a Compliance Coordinator for website disability-related accommodations. The Compliance Coordinator has received training in website accessibility and updates the site in accordance with those best practices and requirements.
Compliance Procedures
The District is working to ensure all website content complies with the Americans with Disabilities Act and controlling State laws. In an ongoing effort to continually improve and remediate accessibility issues, the website is regularly scanned to ensure ongoing compliance, and timely changes are made to any inaccessible content if found.
Accessible Documents Policy
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Linked Documents and Third Parties
Please note that this site may link out to third-party websites that do not have accessible content. This site may also include documents provided by third parties. While we cannot control the accessibility of content provided by third parties, we are happy to assist any member of the public with reading and accessing content on our site.
Report a Website Accessibility Issue
We are committed to your ability to access all content, and we will respond to all requests in a timely manner. If you need assistance or accommodations while accessing content on this website, please contact our Compliance Coordinator via the form below:
