Find Out Your Estimated Retirement Income

Get Your 2018 Retirement Review

See your 2018 Retirement Review. You will be asked to sign in using the same ID and password you use to access your 403(b), 457(b), and DC Plan accounts on

Your 2018 Retirement Review, complete with your updated Retirement Readiness Score, is available online now.

Your Retirement Review is a personal statement that shows the monthly retirement income you could have from your UC retirement benefits. Note that the Retirement Review assumes you will retire from UC at age 65, or your age plus three years if you are currently 62 or over.

Most importantly, your Retirement Review includes a readiness score that can help you quickly determine how you’re tracking toward your retirement goals.

Here’s what you need to know:


Your Retirement Readiness Score is the percentage of your current income that you’re on track to have at retirement, assuming you work for UC for the rest of your career and retire from UC at age 65, or your age plus three years if you are currently 62 or over.

The score is calculated from the potential retirement income provided by your UC retirement benefits: your UC Retirement Plan (UCRP) pension and your voluntary savings in the UC 403(b), 457(b), and DC Plans. Unfortunately, we are not able to create Retirement Reviews for all UC employees at this time, but hope to have them available in 2019.

  • If you are a Career employee, the Retirement Readiness Score1 is automatically calculated for you. In general, the 2018 Retirement Review is available to you if you are eligible for a UCRP pension benefit, were hired before July 1, 2016, and received pay from UC in November 2017.
  • If you are in a union that negotiated special retirement benefits and contributions, or if you belong to two different tiers of the UCRP, you can get your Retirement Readiness Score1 once you enter your current pay and other information.
  • If your UC retirement plan is either the mandatory Defined Contribution (DC) Plan or the UC Retirement Choice Plan, you do not have access to the Retirement Review this year.
  • If you are a former UC employee, and you have an account balance of $2,000 or more in the UC Retirement Savings Program, you can get your Retirement Readiness Score1 once you enter your current pay. It won’t include any savings or benefits you may have outside of your UC retirement benefits, unless you manually add them using the modeling tool available in the Retirement Review.


The Retirement Review includes both your UCRP pension benefit (if applicable) and UC Retirement Savings Program accounts.

  • UCRP pension benefit. UC estimates the amount of your pension benefit at age 65, or your age plus three years if you are currently 62 or over, using your annual pay and years of service as of November 2017.
  • Savings Plan account balances. If you have a balance in the UC 403(b), 457(b), and/or DC Plans, the Retirement Review assumes that your balance stays in the plan and earns a hypothetical annual rate of return until you retire.1
  • Savings Plan contributions. If you are actively contributing to the UC 403(b) and/or 457(b) Plans, the Retirement Review assumes you will continue to contribute that amount and that your contributions earn a hypothetical annual rate of return until you retire.1


  • The average UC retiree has roughly 20 years of service. For most employees, that equates to a UCRP pension benefit at age 60 of 50% of their highest average pay. If you were hired on July 1, 2013, or later, that equates to 50% at age 65.
  • If you’re like many people, you’ll work for several employers during your career. That means you might not stay at UC long enough to build your UCRP pension benefit to a level that can meet your needs.

What does this mean for you? You may need to save some of your own money to maintain the standard of living you’re used to. And that’s where UC’s Retirement Savings Plans (UCRSP)—the UC 403(b), 457(b), and DC Plans—come in. Together, UCRP and the UCRSP help give you the best chance for financial security when you retire.


Yes. The Retirement Review includes a modeler that lets you explore different assumptions, such as the amount you save in the UC 403(b) or 457(b) Plans, or the age at which you retire.

You can use the modeling tool to add in other sources of retirement income, including an IRA and Social Security. Have an old 403(b) or 401(k) account? Enter it in the modeler too, but remember you have the ability to roll it over into one of your UC retirement accounts. You can even add in your spouse or partner’s retirement assets to get a more holistic view of your retirement income.

1 Your Retirement Review and Retirement Readiness Score assume you’ll retire from UC at age 65, or your age plus three years if you are currently 62 or over.

The University of California intends to continue the benefits described here indefinitely; however, the benefits of all employees, retirees, and plan beneficiaries are subject to change or termination at the time of contract renewal or at any time by the University or governing authorities. If you belong to an exclusively represented bargaining unit, some of your benefits may differ from the ones described here.

Investing involves risk, including the risk of loss.

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