Plan what comes next.

A Self-Directed Retirement Analysis.

Calculate your CalPERS pension, compare destinations, analyze taxes, and build the whole picture — in one place, on your device.

Get started

Your data never leaves your device. Everything is stored locally in your browser — no accounts, no server database.

Benefit factors verified against CalPERS publications.

Independent. Not affiliated with CalPERS or any agency.

01Pension estimator

Your formula, not a generic calculator.

Second Wind reads your formula from your agency and your hire date — 3% at 50, 2.7% at 57, and the rest — on benefit factors verified against CalPERS publications. Move your retirement date and the whole estimate moves with it: the factor, the years of service, the survivor option, the monthly allowance.

Estimate my pension

The pension estimator showing a sample CHP officer's result: an estimated $6,000 a month, $72,000 a year before taxes, paid for life with COLA adjustments. A dial reads 60% of final pay, and the breakdown below gives the benefit factor as 3.0% × 20.0 years against a $120,000 final compensation.

02Where you'll live

Three places, honestly compared.

Taxes, cost of living, healthcare access, climate, and crime — three destinations side by side, every row naming the federal source it came from, and a bottom line that says which one actually stretches your pension furthest.

Locations Tax Analyzer Healthcare

Compare destinations

The location comparison for a sample officer, with Boise, Tampa and Austin side by side. The summary reads: Austin stretches your pension 6% further than Boise. Below it, rows for cost of living, state income tax — $3,816 a year in Idaho against nothing in Florida or Texas — property tax, net monthly income and purchasing power.

Everything you need to retire with confidence.

Built for California's public safety professionals.

Pension Estimator

Calculate your CalPERS pension based on your formula, years of service, and retirement age. Compare retiring earlier or later side by side.

Tax Analyzer

See how federal and state taxes impact your retirement income. Compare up to three states and find which ones exempt public safety pensions.

Location Comparison

Compare up to 3 retirement locations on cost of living, taxes, climate, crime, healthcare access, and more.

Healthcare Planning

Explore CalPERS health plan options and costs by state. Understand your employer contribution, coverage gap, and what you'll pay until Medicare at 65.

Savings & Investments

Project your 457(b), IRA, and other savings. See how long your money will last with inflation-adjusted withdrawals.

Retirement Readiness

Get an overall readiness score based on pension income, savings, healthcare coverage, debt, and emergency reserves.

Stay ahead between visits

Trackers that keep watch.

Your plan doesn't stand still — pay surveys, legislation, and rate books all move. These pages follow the changes so you can check in and see what's new.