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Yes — free during beta. Enter your email on the next page to get started. No payment, no account required. After the beta, the report will be $19 one-time.

The free instant estimate runs one scenario with no email required — pension formula applied to your inputs in seconds. The full 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.

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 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.

No. Your inputs are used to compute the report and are not sold or shared. See our Privacy Policy for details.

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.

Email us at hello@fedhorizon.com within 30 days of purchase with a description of the issue. If the output contradicts an OPM-published formula applied to your inputs, we'll correct it and resend your report. All outputs are estimates based on the inputs you provide — verify your service record details before submitting for the most accurate results.