Federal retirement decision intelligence
OPM gives you the calculation. FedHorizon helps you understand the decision.
Compare retirement dates, income, and benefits — using OPM-sourced formulas and personalized scenarios for pension, FERS Supplement, TSP, and FEHB.
Cumulative lifetime income · Example: High-3 $90k, 25 YOS · Your numbers will vary
OPM tells you what your benefit is. FedHorizon helps you understand what changes when you retire earlier, later, or elect different benefits.
What's actually on your mind?
Compare your retirement scenarios
FedHorizon puts competing choices side by side so you can understand the income, benefits and tradeoffs — not just calculate a pension.
Illustrative example — Diane, GS-13 · 28 yrs service · High-3: $108,200. Your numbers will differ.
See how your benefits work together
FedHorizon connects the pieces so you can see how your income and benefits change over time — not just your pension in isolation.
Individual tools answer individual questions — FedHorizon connects those answers into one retirement picture.
Explore all 34 tools →The supplement stops at 62 — permanently. Adjust your numbers to see your own cliff.
The Retirement Decision Report
The free estimate is a starting point. The Retirement Decision Report is the full picture — scenario comparisons, break-even analysis, survivor election, FEHB, TSP, and Social Security, brought together into one advisor-shareable document.
What's inside your report
Sample Report · IllustrativeGet this report built from your actual numbers — free during beta.
Build My Free Report →Quick estimate · no account required
Enter your career details and get your pension, supplement, and TSP numbers instantly — then build the full report when you're ready to compare scenarios.
Just want a number? Start here. Want to understand the decision? Build the report.
Enter your High-3 salary above to see your pension numbers appear here.
Why FedHorizon
Federal retirement rules and benefit formulas are the foundation of every number — the same source OPM's own calculator draws from.
Pension, FERS Supplement, TSP, FEHB, and survivor benefits, connected instead of calculated one at a time in separate tools.
Compare retirement ages against each other, not just one date in isolation — so the tradeoffs are visible, not assumed.
Complex calculations become an understandable decision document — built to bring to your advisor or your spouse.
Built to be explainable.
OPM · HR · Advisors
OPM gives you the calculation. FedHorizon helps you understand the decision.
OPM's retirement tools are free, government-official, and the authoritative source — FedHorizon is the analytical layer on top, modeling the multi-scenario tradeoffs and income cliffs its single-scenario tool wasn't designed for. Use both.
Your agency's HR/benefits team can explain your benefits and the retirement process — FedHorizon helps you model scenarios and understand the financial tradeoffs between paths, which is a different job.
| Tool | Best at |
|---|---|
| OPM | Official retirement calculations |
| Agency HR | Benefits information and retirement process |
| FedHorizon | Scenario modeling and retirement tradeoffs |
| Financial advisor | Personalized financial planning |
Use them together. FedHorizon helps you understand your numbers before you make the decision or meet with an advisor.
A fee-only financial advisor is the right next step for complex decisions — FedHorizon gives you the numbers to walk in prepared, not a replacement for professional advice. Find a NAPFA fee-only advisor →
See the full breakdown of what the OPM calculator doesn't cover →
Common questions. Real decisions.
Questions federal employees ask before they retire. FedHorizon runs the numbers.
Common questions
Built directly from OPM's published formulas — estimates align with what OPM's calculator produces for basic annuity. The difference is scope: FedHorizon adds the FERS Supplement cliff, survivor break-even, FEHB eligibility check, and side-by-side retirement ages. Every assumption is disclosed in Section 10.
Yes. LEO, FF, and ATC are fully supported — the 1.7% multiplier for the first 20 years, mandatory separation ages, and Supplement eligibility differences are all modeled correctly.
Yes — the earlier you model, the more decisions you can still change. The report shows exactly how much each additional year of service adds to your pension, which is often the most motivating number for employees in their 40s.
It depends on the path. Quick Estimate runs without saving your inputs to our servers — it computes your results and nothing more. Retirement Report inputs are retained for up to 30 days after delivery to support your report, then permanently deleted. Either way, FedHorizon never sells or shares your data.
Start with your numbers
Build your retirement picture, compare scenarios and understand the tradeoffs that matter most.
Build My Free Report →Free during beta. If we introduce paid tiers later, everyone who used the beta keeps free report access for life.