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Teacher Paycheck Decoder

See exactly where your money goes. We calculate CalSTRS, taxes, and deductions to find your real take-home pay.

Your total contract salary before any deductions (Step/Column).

$

Do you get paid over 10 months or spread over 12?

Used to estimate your Federal and State tax brackets.

Optional Overrides

These values override default policy considerations used in calculations.

Override the default CalSTRS rate if you are in a special tier.

%

Advanced users only. Overrides IRS standard deduction.

$

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Coach’s Tips

Financial wisdom

  • Use gross income (before taxes) for pension estimates.
  • Teachers are paid 12 months, but work 10. Plan accordingly.
  • Your 403(b) fees can eat 40% of returns. Check them yearly.
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