Changelog
Dated updates to the Federal Retirement Decision Report and the free calculators — newest first.
The lifetime income chart now has a real-vs-nominal toggle and a slider to check your cumulative income at any age. Added a milestone progress tracker (MRA, MRA+10, MRA+30, 60+20, 62+5), historical average returns by TSP fund next to the projection assumptions, and a state-of-residence field that flags whether your state fully exempts federal pension income.
The report now estimates your combined net monthly income — pension, TSP draw, and Social Security together, net of estimated federal tax and FEHB — instead of pension income alone.
Previously the TSP balance projection only compounded your current balance. It now also grows your ongoing employee and agency contributions to retirement, across all three allocation scenarios.
Every report is now checked against an independent, OPM-formula-based audit covering pension, supplement, TSP, survivor election, and military buyback calculations before it's delivered.
Added the full set of free federal-benefits calculators — MRA, GS Pay, TSP Contribution, High-3, FERS Supplement, COLA, FEGLI, VERA/VSIP, Survivor Benefit, Roth vs. Traditional TSP, FEHB in Retirement, Deferred vs. Postponed, Take-Home Pay, WGI, and Military Buyback — each paired with a guide article.
The flagship report launched: side-by-side pension and income projections at three retirement ages, survivor election cost, FEHB eligibility, and a full assumptions/methodology section — delivered as an advisor-shareable PDF.
The report now models FERS pension, Social Security, and TSP drawdown together across your actual planned claiming age, instead of each leg in isolation.