Pricing
Simple, transparent pricing.
No subscription. No upsell.
Start free. Pay $19 when you need the full picture. That's it.
Always Free
Instant Estimate
A quick pension baseline. No email required.
no account · instant results
- ✓Pension estimate at 1 retirement age
- ✓1.0% vs. 1.1% multiplier check
- ✓FERS Supplement eligibility flag
- ✓TSP projected balance snapshot
- ✓Instant results — no email required
One-Time
Retirement Report
Everything you need to make your retirement decision.
one-time · no subscription
- ✓3 retirement ages compared side-by-side
- ✓Break-even analysis (when waiting pays off)
- ✓FERS Supplement cliff modeled precisely
- ✓Net monthly take-home (after tax, FEHB, Medicare)
- ✓Survivor election: cost, spouse benefit, break-even age
- ✓Military buyback ROI and deposit estimateif applicable
- ✓TSP projection with return-rate sensitivity
- ✓Flagged warnings & action items from your numbersNew
- ✓Annual leave & sick leave cash-out estimate
- ✓Social Security three-legged stool comparison
- ✓MRA+10 / deferred retirement analysisif applicable
- ✓12-section PDF — advisor-shareable
Secure checkout via Stripe · Delivered by email within minutes
Coming Soon · Annual
Annual Plan — $39/yr
Refresh your report as inputs change year over year. Service milestone alerts. Priority support. For employees 2–5 years from a decision.
Get notified →What's included at each level
| Feature | Free Estimate | $19 Report |
|---|---|---|
| Pension formula (OPM 5 U.S.C. 8415) | ✓ | ✓ |
| 1.0% vs 1.1% multiplier selection | ✓ | ✓ |
| FERS Supplement eligibility | ✓ | ✓ |
| TSP snapshot | ✓ | ✓ |
| 3 retirement ages compared | — | ✓ |
| Break-even analysis | — | ✓ |
| FERS Supplement cliff modeled | — | ✓ |
| Net take-home after FEHB & taxes | — | ✓ |
| Survivor election math | — | ✓ |
| Military buyback analysis | — | ✓ |
| TSP return-rate sensitivity | — | ✓ |
| Flagged warnings & action items | — | ✓ |
| MRA+10 / deferred retirement | — | ✓ |
| 12-section PDF | — | ✓ |
Frequently asked questions
Is the $19 a one-time charge?
Yes. One-time payment via Stripe, no subscription, no renewal. You receive a secure link to your report within minutes of payment.
What's the difference between the estimate and the report?
The free estimate runs one scenario instantly with no email required — it's the pension formula applied to your inputs. The $19 report 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.
How is this different from the OPM calculator?
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.
Are the formulas accurate?
All pension math uses OPM-published FERS formulas (5 U.S.C. 8415). The report 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.
Will my data be shared?
No. Your inputs are used to compute the report and are not sold or shared. See our Privacy Policy for details.
Can I share the report with my financial advisor?
Yes. The report is designed to be advisor-shareable — it includes formula citations, data sources, and an input summary so an advisor can verify the methodology.
Ready to see your numbers?
Start with the free estimate. If you want the full picture, the report is $19, one-time.