Estimate Your Retirement Income
3+ Years Before Retirement

Will you have enough money in retirement? The only way to find out is to run some estimates.

Understand Your Future Retirement Income

In retirement, you’ll need income to live off of to replace the income you were earning by working. Retirement income falls into 3 categories—pensions, Social Security, and savings:


You’ll want to get estimates for each line in the equation to get a full picture of your future retirement income. 

Get an ACERA Pension Retirement Allowance Estimate

Check out our Get an Estimate page for a few different options for estimating your ACERA pension retirement allowance.

In general, you get a higher retirement allowance by working more years, earning a higher salary, and being older when you retire (although there are limits). In order to maximize your ACERA retirement allowance, it can help to learn more about how your ACERA Retirement Allowance is calculated and other details of your membership in ACERA.

Get Estimates of Other Pension Allowances You May Have

If you worked for other employers with pension plans (CalPERS, for example) that you expect to get pension allowance payments from when you retire, you should get estimates from those pension plans as well (their estimates aren’t included in your ACERA estimate, even if you have reciprocity). They may have online estimators like ACERA does, or you may need to give them a call and request estimates for the same dates as the estimates you got from ACERA.

Get a Social Security Estimate

If you participate in Social Security (i.e., social security contributions are deducted from your paycheck), you will get to collect a monthly payment from Social Security when you become eligible. For an estimate of this monthly payment, visit the Social Security Estimator.

An important thing to remember with Social Security is you may not become eligible to start collecting Social Security until some time after you retire from ACERA. Depending on when you were born, you can begin to collect the full social security retirement ranging from ages 65 to 67.

Check the Balance of Your 457(b) Account and Any Other Investment Accounts You Have

If you have a deferred compensation account like a 457(b), check the balance of your account when you’re planning your retirement to see how much is in there. Visit our Deferred Compensation page for more information.

More Information on Planning for Retirement and Saving More

For more information on how to save more for retirement, check out our Start Here page.