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For a single member managing their own plan.
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Cover your entire bargaining unit under one group agreement.
Whether you're on CalPERS, ACERA, SFERS, or San Jose Retirement Services, your official pension system's own member portal (myCalPERS, mySFERS, MemberDirect for San José, or your local system's equivalent) already gives you a free official estimate - here's what a subscription here adds on top of that. Try the Demo — no sign-up →
| Feature | Free Official Estimate | Active Shift |
|---|---|---|
| The Highlights | ||
| Net Reality vs. Gross Numbers | ||
| Net take-home pay after taxes | Manual withholding worksheet yourself | ✓ Automatic, from real tax brackets |
| Working pay vs. pension pay comparison | — | ✓ Side by side |
| Medical / industrial disability retirement - the tax-free part of your pension and what you actually take home | — | ✓ Uses your agency's rule |
| Official, certified estimate letters | Limited to 2 every 12 months | Not applicable — only your pension system can issue these |
| Local Contract & MOU Integration | ||
| Built for your department's real MOU (vacation/PTO tables, tiers, schedules) | One generic statewide portal | ✓ Configured per department |
| Special/specialty pays configured to your agency's MOU | — | ✓ Updated yearly |
| Exit & Scenario Planning | ||
| PTO / Vacation walk-away date planning | — | ✓ Exact date & shifts left |
| "Should I stay 6 more months?" - the real after-tax difference, worked out for you | Gross estimate only | ✓ After taxes, with your own numbers |
| "What-If" scenarios (raises, moving states, part-time work, Social Security) | — | ✓ Unlimited |
| FLSA shift-bid overtime strategy | — | ✓ |
| Career Growth (Years From Retirement) | ||
| Career view for members 10+ years out - your next milestones with dates, and a short list of things to look at each year | — | ✓ Changes with the season & your career stage |
| What a step raise or promotion adds to your pension - and how much more you earn getting it sooner | Re-run the estimator with a new salary yourself | ✓ Side by side, sooner vs. later |
| Specialty pay stacker - add your own incentive pays and see which ones count toward your pension | — | ✓ Pay now + pension boost |
| Service credit buy-back: cost of waiting and break-even | Cost quote only | ✓ Break-even & cost of waiting |
| What saving sick leave adds to your pension | — | ✓ Uses your system's real rule |
| Overtime what-if - what extra shifts could add up to in a 457, at your MOU's overtime rate | — | ✓ |
| "What boosts my pension most?" - more years vs. a promotion vs. specialty pay, ranked | — | ✓ Ranked, with 25-year totals |
| Pensionable pay vs. the PEPRA / federal pay cap - today and at retirement | — | ✓ On your dashboard |
| Vesting status - vested yet, and when | Shown on your annual statement | ✓ Progress bar & date on your dashboard |
| 457 Savings | ||
| 457 calculator - your own yearly limit with the age 50+, ages 60–63 and 457 “final 3 years” catch-ups | Look up the IRS limits yourself | ✓ Figured for your age, every year to retirement |
| 457: starting now vs. starting later with more | — | ✓ Your money vs. growth, side by side |
| Year-end reminder to check your 457 deposits before the limit resets | — | ✓ Every year |
| Health Costs & Cash Flow in Retirement | ||
| Retiree health premium taken out of your pension check - your share after your employer's contribution | — | ✓ Your agency's real contribution rules |
| Health plan premiums filled in for you, updated every year | Look up the rate sheet yourself | ✓ Pick your plan, we do the rest |
| Your check month by month - COLA raises vs. rising health costs, 25 years out | — | ✓ Month by month, printable |
| A job after retirement added to your monthly picture | — | ✓ Enter it once, shows everywhere |
| After You Retire | ||
| Your own retiree dashboard - this month's check and a countdown to your next COLA raise | — | ✓ Switches over when you retire |
| First-year deadlines: changing your retirement choices, converting work life insurance, checking your first check | Spread across letters & forms | ✓ Dated and on one screen |
| Working after retirement - your hours this year vs. the yearly limit, and the wait before you can return | — | ✓ Tracked for you |
| Medicare enrollment window, figured from your birthday | — | ✓ |
| Retirement Budget | ||
| Retirement budget worksheet | Blank worksheet - you guess your own income | ✓ Pre-filled with your real after-tax pension, pay & retiree medical |
| Estimate helpers (mortgage payoff, retiree medical, 457 draw & how long it lasts) | — | ✓ One click per row |
| "Will it last?" - your budget year by year through retirement (COLA vs. inflation) | — | ✓ 25 years ahead |
| Shortfall math - how much more saving, or how many more months of work, would close a gap | — | ✓ From your own pension math |
| Reports, Reminders & Resources | ||
| Printable reports | — | ✓ Up to 10 reports |
| Retirement checklist & FAQ library | — | ✓ |
| Automatic email reminders when a checklist item comes due | — you have to log in and check yourself | ✓ Only when something is actually due |
| Year-round dashboard reminders - your raise month, shift & vacation bids, Open Enrollment, the 457 year-end check | — | ✓ |
Your official pension system remains the legally-binding source for your final pension numbers - this dashboard is for planning everything around that number: your take-home pay, your last day of work, and whether staying one more year is actually worth it.
See every city and department we support — Supported Agencies. Don't see yours? Request we add it →
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For additional information, email us at info@activeshiftsoftware.com.