Pricing

One decision.
Two levels of analysis.

Start free with the instant estimate. The full report is free during beta.

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Instant Estimate

Answer one question: “What might my pension look like?”

$0always

No account · no email · instant results

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✓Basic FERS pension at one retirement age

✓1.0% vs. 1.1% multiplier check

✓Supplement eligibility flag

✓TSP projected balance snapshot

Best for planning

FREE · BETA

Retirement Decision Report

Answer the harder question: “What changes if I retire at 57, 60, or 62?”

Free

Free now — no card, nothing charged. Planned price after the beta: $19

Full Retirement Decision Reports are free during beta.

See My Retirement Scenarios →

Free during beta · view and download right here in minutes

✓Three retirement ages compared side by side

✓Pension + Supplement crossover shows when waiting pays off

✓FERS Supplement cliff and net monthly income

✓Survivor, FEHB, TSP and Social Security modeled together

✓Risks, sensitivities and prioritized next steps

✓12-section PDF with OPM-sourced formula traces

The difference isn't more calculations.
It's seeing the tradeoff.

A pension number tells you what you may receive. The full analysis shows what you gain — and give up — when you change the date.

Illustrative example — Diane, GS-13 · 28 yrs service · High-3: $108,200.

Age 57 · earliest exit

Leave sooner

$4,462 /mo first year

Pension plus Supplement begin immediately. Fewer years of service mean a lower permanent pension once the Supplement ends at 62.

Age 60 · middle path

Build pension

$4,958 /mo first year

Extra years of service raise the permanent pension while the Supplement still bridges income to 62.

Age 62 · permanent floor

Wait longer

$3,769 /mo pension

The 1.1% multiplier applies and the pension is highest here — but the Supplement never starts, since it only pays before 62.

Example insight: waiting from 57 to 62 adds $793/month to the permanent pension — but the cumulative-income crossover isn't until age 90. Your report calculates the crossover from your actual inputs.

Inside the full analysis

8 of the analysis's 12 sections, covering the questions that actually shape the decision.

01What date changes the outcome?Your executive summary, plus three retirement ages compared side by side. §1–2

02When does waiting actually pay off?Your pension + Supplement crossover — the point where the higher pension overtakes the head start of leaving early. §3

03What happens to my spouse?Survivor election cost, spouse income, and the FEHB consequence of each choice. §4

04How do all three income legs fit together?FERS pension, Social Security, and TSP, modeled together across retirement phases. §8

05What actually hits my bank account, and what could change it?Net monthly income after taxes, Medicare, and FEHB — plus the assumptions that could move it. §9, 11

06What should I verify next?A prioritized action plan, with formula traces and source references for review. §12

Plus 4 more sections tailored to your situation — military buyback, deferred/postponed retirement paths, FEHB in retirement, and full methodology with a line-by-line formula trace.

What each level answers

	Instant Estimate	Retirement Analysis
Primary question	“What is my pension?”	“When should I retire?”
Retirement dates	One	Three compared
Income	Gross snapshot	Net income over time
Supplement	Eligibility flag	Estimated income bridge
Survivor election	Not included	Cost, spouse income, FEHB impact
TSP	Balance snapshot	Projection + return-rate sensitivity
Output	On-screen answer	12-section PDF, advisor-shareable
Price	Always free	Free · free during beta

Frequently asked questions

Yes — free during beta. Answer 8 questions and your analysis is ready to view and download in minutes. No payment, no account, and no email required — you can optionally have a copy emailed to you, but nothing is gated behind it. Full Retirement Decision Reports are free during beta.

The free instant estimate runs one scenario with no email required — pension formula applied to your inputs in seconds. The full analysis runs 3 scenarios side-by-side, models the FERS Supplement cliff, net take-home after taxes and FEHB, survivor election math, TSP projection, and flags specific warnings from your numbers. It's what you'd want before making any actual retirement election.

The OPM calculator produces a single gross annuity number. FedHorizon models the full picture: the Supplement (which OPM's tool often omits), net income after FEHB and taxes, TSP projections, survivor election cost, and when waiting actually pays off. See our full comparison at /what-the-opm-calculator-misses.

All pension math uses OPM-published FERS formulas (5 U.S.C. 8415). The analysis includes formula traces showing exactly what was calculated and the OPM regulation behind each number. We are not affiliated with OPM — outputs are estimates, not a formal benefit calculation.

Your inputs are never sold or shared with advertisers. They're used only to compute your analysis, processed by the service providers that run FedHorizon, and deleted with your report after 30 days. See our Privacy Policy for details.

Yes. It's designed to be advisor-shareable — it includes formula citations, data sources, and an input summary so an advisor can verify the methodology.

Email hello@fedhorizon.com within 30 days of receiving your analysis and describe the issue. If an output contradicts an OPM-published formula applied to your inputs, we'll correct it and resend — at no charge. This is a correction process, not a refund: the analysis is free during beta, so there is nothing to refund. All outputs are estimates based on the inputs you provide — verify your service record details before submitting for the most accurate results.

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