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Federal Retirement Calculators & Planning Tools
Some of these give you a number. Others give you a decision — comparing your options and telling you what they mean for your situation. Find your question below, or browse everything by type.
Data current as of January 11, 2026 · Sources: OPM · IRS · TSP · SSA · BLS · GSA
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Decision Tools
These don't just calculate — they compare your options side by side and tell you what the numbers mean for your situation.
Eligibility
Deferred vs. Postponed Retirement
Side-by-side comparison of deferred and MRA+10 postponed paths: annuity size, age reduction, and the FEHB portability difference that usually decides it.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Early Out
VERA & VSIP Evaluator
Check VERA eligibility, estimate your unreduced annuity, calculate the VSIP buyout net of taxes, and see when the FERS supplement begins.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Survivor
Survivor Benefit Election
Compare full, partial, and no-election options — including the annuity cost, survivor income, and whether your spouse can keep FEHB after you die.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Pension
Military Buyback Calculator
Calculate the FERS service credit deposit cost — 3% of military basic pay plus interest — and the monthly pension increase and break-even age.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
TSP
Roth vs. Traditional TSP
Compare after-tax retirement values on an equal-cost-today basis. Verdict: which wins for your current and expected retirement tax rates.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
TSP
In-Plan Roth Conversion Analyzer
Model your TSP in-plan Roth conversion: tax cost today, Roth vs. Traditional at retirement, and the break-even retirement rate. Available in TSP since January 2026.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
TSP
TSP Withdrawal Calculator
Model your TSP decumulation: 4% safe withdrawal rule, IRS required minimum distributions, or a fixed monthly draw — with year-by-year balance projection.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Leave
Holiday Leave Optimizer
See every federal holiday bridge for 2026 and 2027. Enter your leave budget and the tool auto-picks the highest-value combinations.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Calculator Tools
Precise, single-purpose numbers — enter your details and get your answer.
Retirement Timing
When Can I Retire?
Work backward from the income you want: find the earliest age you can retire and cover that target in every year — including the gap years before Social Security.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Eligibility
MRA Finder
Find your FERS Minimum Retirement Age, the exact date you reach it, and what options are available at MRA — including the MRA+10 reduced annuity path.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Supplement
FERS Supplement Estimator
Estimate the monthly bridge payment from retirement to age 62. Correct eligibility gating, civilian-service-only rule, and 2026 earnings limit.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
RIF
Federal Severance Pay Calculator
Calculate your RIF severance: 1 week per year for the first 10, 1.5× above 10, age adjustment, and 52-week cap. Includes the FERS immediate annuity exclusion check.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Leaving Federal Service
Federal vs. Private Salary Break-Even Calculator
See what a private-sector offer would need to pay to match your current federal package — pension accrual, TSP match, and FEHB employer share included, not just salary.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Pension
FERS Pension Calculator
Calculate your FERS basic annuity from the OPM formula. Monthly pension, income replacement rate, 1.1% multiplier eligibility, and a side-by-side comparison of retiring at MRA vs. 62.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Pension
High-3 Calculator
Calculate your High-3 average salary — the 36-month basis for your FERS pension. Simple mode or time-weighted for promotions and locality changes.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Pension
Pension Present Value Calculator
See your FERS pension as one lump-sum number in today's dollars — a fixed, disclosed discount rate turns your monthly annuity into a figure you can compare against any other offer.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Annuity
COLA Projector
Project how annual COLAs change your annuity over time — FERS diet-COLA reduction, under-62 freeze, and the purchasing-power erosion gap vs. CSRS.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Divorce
Court-Order Apportionment Calculator
See how a court order dividing your FERS annuity with a former spouse affects your monthly payment — fixed amount, percentage, or the standard marital-fraction formula OPM uses by default.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Social Security
SSA Earnings-History Estimator
Paste your real Social Security earnings history for a benefit estimate built from your actual top-35 years — instead of a single-salary approximation. Runs entirely in your browser.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Household
Household Retirement Income Calculator
Combine both spouses' income into one household total — dual-fed pensions (including a deferred pension not yet started), Social Security vs. SSDI, and VA disability for either or both.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Already Retired
Already-Retired Income Calculator
Already drawing your annuity? Combine your real pension, TSP withdrawal, Social Security, and VA disability from your own statements — no projection, just your actual numbers.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Pension
Reserve & Guard Retirement Pay Calculator
Your points ÷ 360 x 2.5% (or 2.0% under BRS) x High-3 base pay — the non-regular retired pay formula most Guard and Reserve careers actually use, plus the age-60 reduction for post-2008 active duty.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Pension
Break in Service — Redeposit Calculator
Took a refund of your FERS contributions and came back? See whether redepositing it — with interest — to restore full annuity credit for those years pays for itself, and by what age.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
TSP
TSP Contribution Optimizer
The per-pay-period contribution that maxes your TSP by year-end — without the front-loading trap. Handles all 2026 catch-up brackets.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
TSP
TSP Roth vs. Traditional Split & Draw-Order Calculator
Track Roth and traditional balances separately — including how the agency match (always traditional) shifts your mix — and see how proportional, traditional-first, or Roth-first withdrawals split your taxable income.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
TSP
Rule of 55 / 50 — Early Withdrawal Penalty Checker
See whether the Rule of 55, the earlier Rule of 50 for special-category employees, or the SECURE 2.0 25-years-any-age exception exempts your pre-59½ TSP withdrawal from the 10% penalty.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Health
FEHB in Retirement
Check the 5-year eligibility rule and project your FEHB premium over a long retirement — compounding at recent annuitant inflation rates.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Insurance
FEGLI Premium Calculator
See your current FEGLI cost and how Option B premiums escalate through each five-year age band. Includes a projection chart to retirement.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Location
Where to Retire — State Tax Comparison
Compare your pension, TSP, and Social Security income across all 50 states + DC by estimated state income tax, side by side.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Pay
GS Pay Calculator
Calculate your 2026 locality-adjusted GS salary for any grade, step, and pay area. Includes the Executive Schedule pay cap callout for high-grade positions.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Pay
Step Increase (WGI) Timing
Find your next within-grade increase date and the salary at the next step, pulled directly from the 2026 GS pay tables.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Pay
Take-Home Pay Calculator
Estimate biweekly net pay with federal-specific accuracy: FERS tier, FEHB premium conversion, Traditional vs. Roth TSP, and 2026 tax brackets.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Leave
Leave Calculator
Project annual and sick leave to year-end, flag use-or-lose risk, estimate your lump-sum payout, and see how sick leave adds to your pension.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Service
Exact Years of Service Calculator
Your precise creditable service in years and months between any two dates — more accurate than the whole-year age approximation most calculators use for a mid-year or mid-pay-period exit.
Want the full picture? Your Retirement Report models this alongside your pension, Supplement, and FEHB.
Every tool above feeds one report.
Run a few of these, or answer 8 questions once — either way, here's what the full picture looks like.
What's inside your report
Sample Report · IllustrativeGet this report built from your actual numbers — free during beta.
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