You can figure your own basic estimate for retirement by using our printable calculation worksheets. Each one includes easy-to-follow instructions, formulas, and factor tables needed to do the math. This figure won’t replace an actual estimate created by CCCERA counselors, but it will give you a rough idea for financial planning. 

If you have service in more than one tier, you will figure each tier’s retirement service credit separately, due to differences in factor tables for each of the retirement tiers (General Tiers 1, 2, 3, 4 and 5, and Safety Tiers A, C, D and E). Add the amounts together to estimate your monthly pension benefit. 

Note that causing excess compensation at the end of your career may be deemed an “enhancement” and may be excluded from your pension calculations. 

General Tiers 1 and 3

Most Legacy General members use these formulas. The worksheet includes the factors for the non-enhanced formula (1.67% at 55, Gov. Code Section 31676.11) and the enhanced formula (2% at 55, Gov. Code Section 31676.16).

Tiers 1 and 3 Worksheet (1.67% at 55 and 2% at 55)

General Tier 2

The County and some Districts adopted the General Tier 2 formula (Gov. Code Section 31752) in 1980. No CCCERA members are currently earning service in this tier, however, you may have some General Tier 2 service that will be used to calculate your retirement benefit. For an accurate estimate, members with General Tier 2 service credit must also know their estimated Social Security Primary Insurance Amount (PIA).

Tier 2 Worksheet

PEPRA General Tiers 4 and 5

General members subject to PEPRA use this formula (2.5% at 67, Gov. Code Section 7522.20(a)).

PEPRA Tiers 4 and 5 Worksheet

Safety Tiers A and C

Most Legacy Safety members use these formulas. The worksheet includes the factors for the non-enhanced formula (2% at 50, Gov. Code Section 31664) and the enhanced formula (3% at 50, Gov. Code Section 31664.1).

Safety Tiers A and C Worksheet

PEPRA Safety Tiers D and E

Safety members subject to PEPRA use this formula (2.7% at 57, Gov. Code Section 7522.25(d)).

PEPRA Safety Tiers D and E Worksheet