If you work for a governmental agency in California, chances are you have access to a CalPERS pension. That’s great news. You’re one of the lucky ones with a steady, guaranteed income in retirement.
But here’s the tricky part: figuring out how much you’ll actually get.
The numbers can be confusing. The online tools are outdated. And you might not even know what questions to ask. That’s where we come in.
How is Your CalPERS Pension Calculated?
Here’s the basic formula CalPERS uses:
- Years of service
- Age factor (a number based on how old you are when you retire)
- Your highest average salary (usually over 1–3 years)
These numbers are multiplied together to figure out how much of your salary you’ll keep getting every month after you retire.
Changing one of these numbers - through relocation, working longer or getting a raise - can substantially change your final pension number.
Why Most People Get Confused
CalPERS has an online calculator, but it doesn’t tell you:
- How taxes will affect your pension
- What happens if you move to another state
- How divorce or a new marriage could change your income
- What your real monthly paycheck will look like after deductions
A Better Way to Calculate Your CalPERS Retirement
Advanced Pension makes retirement planning simple and accurate. For just $100/year, we give you:
✅ A clear monthly income estimate
✅ Tools that show what happens if you move, get divorced, or get a raise
✅ Lifetime projections so you can see your money grow over time
✅ Peace of mind (no more wondering or guessing)
Thousands of California public employees already use it—and some have found they were missing out on $1,000+ a month they didn’t even know they qualified for.
Start Planning Today
Spend $100 now, save thousands (and a lot of stress) later. It’s easy, automatic, and built just for you.
You earned your pension. We’ll help you make the most of it.