Chlorophyll-a (Chla) is an important parameter for water quality. For remote sensing-based methods for the measurement of Chla, in-situ hyperspectral data is crucial for building retrieval models. In the Pearl River Estuary, we used 61 groups of in-situ hyperspectral data and corresponding Chla concentrations collected in July and December 2020 to build a Chla retrieval model that takes the two different seasons and the turbidity of water into consideration. The following results were obtained. (1) Based on the pre-processing techniques for hyperspectral data, it was shown that the first-derivative of 680 nm is the optimal band for the estimation of Chla in the Pearl River Estuary, with R² > 0.8 and MAPE of 26.03%. (2) To overcome the spectral resolution problem in satellite image retrieval, based on the simulated reflectance from the Sentinel-2 satellite and the shape of the discrete spectral curve, we constructed a multispectral model using the slope difference index method, which reached a R² of 0.78 and MAPE of 35.21% and can integrate the summer and winter data. (3) The slope difference method applied to the Sentinel-2 image shows better performance than the red-NIR ratio method. Therefore, the method proposed in this paper is practicable for Chla monitoring of coastal waters based on both in-situ data and images.