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Retirement Planning Tool

Retirement Income Stacker

Layer your CalPERS pension, military retirement, VA disability, Social Security, and investment income into a single monthly and annual retirement projection. Built for nurses, veterans, and civil servants with multiple income streams.

Your Timeline

17 years until your target retirement age.

Monthly Income Sources

Enter your estimated monthly amount for each income source. Leave at $0 for sources that don't apply to you.

CalPERS Pension
Defined benefit pension
$/mo
Find your estimate at myCalPERS.ca.gov → Benefits → Retirement Estimate Calculator.
Military Retirement
Active duty or Reserve/Guard
$/mo
Use the DoD Retirement Calculator at militarypay.defense.gov to estimate your monthly benefit.
VA Disability
Tax-free monthly compensation
$/mo
VA disability compensation is tax-free and not counted as income for most means-tested programs.
Social Security
Retirement or spousal benefit
$/mo
Get your personalized estimate at ssa.gov/myaccount. Note: CalPERS members may be subject to WEP/GPO reductions.
Investment Income
401(k), TSP, IRA, brokerage withdrawals
$/mo
Include planned monthly withdrawals from 401(k), TSP, Roth IRA, or taxable brokerage accounts.

For planning purposes only. Consult a licensed financial advisor or retirement planner for personalized retirement projections. CalPERS benefit estimates should be verified at myCalPERS.ca.gov. VA disability rates are subject to annual COLA adjustments. Social Security estimates are based on your earnings record at ssa.gov.

Monthly Retirement Income
$0
/month
Annual Retirement Income
$0
/year
Key Reminders
  • ›VA disability is tax-free and doesn't count toward Social Security income limits.
  • ›CalPERS members may face WEP/GPO reductions to Social Security benefits.
  • ›Military retirement is taxable federally; state tax treatment varies.
  • ›COLA adjustments will increase most of these income streams over time.

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