The Final Countdown: Protecting Your Defined Benefit
You are approaching the finish line. Whether you are "Classic" (2% at 60) or "PEPRA," your decisions now regarding sick leave conversion and survivor options are worth $250,000+ over your lifetime.
Stage-Specific Hurdles
The specific financial challenges of your current CalSTRS career stage.
Sick Leave Conversion
Learn how to turn unused sick days into service credit to boost your final multiplier.
The WEP/GPO Penalty
Will your Social Security be slashed because of your pension? We calculate the exact offset.
Survivor Option Logic
Choosing "Life Only" vs "100% Beneficiary" is a permanent decision. We model the cash flow for both.
Medicare Transition
CalSTRS does not include healthcare. We bridge the gap between retirement and age 65.
Specialized Strategic Focus
Retirement is not a guess—it is a formula. We specialize in the "Pension Max" strategy, comparing CalSTRS survivor reductions against private life insurance to keep more money in your pocket.
Tools Built for Your Teaching Career Stage
Summer Income Gap Calculator
Calculate exactly how much you need saved by May or how many tutoring hours required
PSLF vs TLF Decision Tool
Should you pursue Teacher Loan Forgiveness or Public Service Loan Forgiveness? Get your answer in 2 minutes
403(b) Fee Analyzer
Find out if you're losing $500,000+ to high fees over your career
State Pension Decoder
Understand YOUR state's pension formula, vesting period, and Social Security participation
Emergency Fund Calculator
Teachers need 3-6 months + summer gap. Calculate your target number
First-Year Money Checklist
The 5 financial decisions to make in Year 1 that will define your career
We fix this
of early-career teachers can't identify their retirement plan
We prevent this
lost to high 403(b) fees over a career
We navigate this
PSLF approval rate (up from 1%!)
Subscription Plans | Take control Now
Choose the toolkit that matches your career stage.
FREE
FREEPerfect for new teachers getting started
- 8 Core Calculators
- 5 calculations per day
- Paycheck Decoder
- Pension Estimator (Basic)
- Student Loan Timeline
- Emergency Fund Tool
- Simple 403(b) Growth
- Save calculation history
- Complex Scenarios
PLUS
$29 /monthSolve specific debt & career challenges
- 15 Calculators (Free + 7 More)
- 25 calculations per day
- Save History
- PSLF vs TLF Decision Tool
- Summer Gap Analyzer
- Pension Buyback Analysis
- Early Retirement Bridge
- 403(b) Fee Analyzer
- Advanced Risk Modeling
- PDF Exports
PREMIUM
$49 /monthFull wealth protection & risk modeling
- All 22 Calculators
- Unlimited calculations
- PDF Report Exports
- IUL vs 403(b) Tax Efficiency
- Market Crash Simulator
- Volatility Buffer Tool
- Pension Maximization
- Longevity Risk Analysis
- Inflation Purchasing Power
- Priority Strategy Support