Enter your years of service and High-3, then compare two or three retirement ages you choose, side by side — your pension, FERS Supplement, TSP, and FEHB at each. Built on OPM's published formulas by a federal employee.
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Waiting from 57 to 62 adds $793/mo to your pension, permanently — but the pension + Supplement crossover isn't until age 90.
Cumulative lifetime income · Example: High-3 $108k, 28 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.
| Age 57Earliest retirement | Age 60Three more years | Age 62Five more years | |
|---|---|---|---|
| First-year income (incl. FERS Supplement) | $4,462/mo | $4,958/mo | $3,769/mono supplement — this is permanent |
| Permanent pension (after 62) | $2,976/mo | $3,246/mo | $3,769/mo |
| FERS Supplement | $1,486/mo | $1,712/mo | Ends at 62 |
| Additional years worked | — | +3 yrs | +5 yrs |
| What you're buying | Time | Balance | A permanent income floor |
Waiting from 57 to 62 adds $793/mo to your permanent pension — but the pension + Supplement crossover isn't until age 90. By this point, the cumulative pension income from waiting until 62 catches up with retiring at 57. Which path wins depends on how long you expect to need the income.
Illustrative example — Diane, GS-13 · 28 yrs service · High-3: $108,200. Your numbers will differ.
See how your benefits work together
Pension, FERS Supplement, TSP, FEHB, survivor benefits, Social Security — one slider below shows how just one of those pieces changes the picture.
Explore all 34 tools →The FERS Supplement ends at 62. This illustration excludes Social Security; if you claim it at 62, your total income may decrease, stay similar, or increase. Adjust your numbers to see your own Supplement.
That's one retirement transition. Your full report models all of them. See My Retirement Scenarios →
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.
The Retirement Decision Report
The free estimate is a starting point. The Retirement Decision Report is the full picture — scenario comparisons, pension + Supplement crossover, 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.
See My Retirement Scenarios →Why FedHorizon
Everywhere else, you get articles and rules of thumb to sort through yourself. FedHorizon takes your actual numbers and hands you a finished answer.
FERS pension and eligibility figures use OPM's published rules and formulas; Social Security, TSP growth and taxes use disclosed assumptions.
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.
Use them together. FedHorizon helps you understand your numbers before you make the decision or meet with an advisor.
For complex decisions, the right next step is a properly licensed professional, such as a financial advisor, tax professional or CPA. FedHorizon gives you the numbers to walk in prepared; it isn't a replacement for professional advice, and its figures are estimates to verify against your agency's official records.
See the full breakdown of what the OPM calculator doesn't cover →
Common questions
FedHorizon runs the numbers. These are illustrative examples — composite questions and example profiles, not real users — with every figure calculated by FedHorizon's engine.
Built from OPM's published eligibility rules and benefit formulas. The difference is scope: FedHorizon adds the FERS Supplement cliff, the survivor-election trade-off, FEHB eligibility check, and side-by-side retirement ages. Every assumption is disclosed in Section 10.
Yes. The report supports standard LEO, firefighter, ATC, CBPO and nuclear materials courier retirements — the 1.7% multiplier for the first 20 covered years, immediate retirement at 50 with 20 years or any age with 25, mandatory separation ages, and the Supplement starting at retirement. Mixed special-category and regular careers aren't modeled yet — see the known limitations on our methodology page.
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 your data or shares it with advertisers.
Start with your numbers
Build your retirement picture, compare scenarios and understand the tradeoffs that matter most.
See My Retirement Scenarios →Full Retirement Decision Reports are free during beta. No account required.