California QDRO & Joinder Planning

CA Public Plans

Specialized tools for every CalPERS QDRO and CalSTRS Joinder analysis — from benefit estimation to settlement worksheet.

Open CalPERS Tools Open CalSTRS Tools

CalPERS

QDRO Calculator & Tools

Model A and Model B benefit calculators covering all five plan types, plus eight planning tools for the full QDRO analysis workflow.

—Model A and Model B QDRO formulas
—All five plan types including PEPRA variants
—IRC 401(a)(17) and PEPRA salary cap warnings
—Brown Formula / Time Rule calculator
—Present value, offset, and settlement worksheet
—Survivor benefit cost modeler

Open CalPERS Tools

CalSTRS

Joinder Planning Tools

Ten tools built specifically for CalSTRS domestic relations orders — with CalSTRS-specific tiers, terminology, and the DBS account treated separately.

—2% @ 60 and 2% @ 62 benefit tiers
—Career Factor eligibility (30+ years, 2% @ 60)
—Time Rule / community property fraction
—DBS account division — separate from DB pension
—Option 1, 2, and 3 survivor benefit comparison
—Settlement worksheet with DBS line item

Open CalSTRS Tools

How a typical analysis runs

The same workflow applies whether you're drafting a CalPERS QDRO or a CalSTRS Joinder.

Establish the community property fraction

Time Rule or Brown Formula — using hire date, marriage date, and separation date. CalPERS and CalSTRS each have distinct rules; the tools handle both.

Estimate the benefit and its present value

Run the Benefit Estimator at the expected retirement age, then discount the community share to today's dollars with the Present Value tool.

Model the settlement

Use the Offset Calculator to compare the pension share against a cash or property offset, then verify the overall division with the Settlement Worksheet.