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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

FedHorizon / Tools

What are you trying to figure out?

01Should I elect the survivor benefit?Compare full, partial, and no-election side by side — including the FEHB consequence.02Should I buy back my military time?Calculate the deposit cost, monthly pension increase, and break-even for adding military years.03Should I take a VERA or VSIP offer?Check VERA eligibility and the real net value of a VSIP buyout offer.04Deferred or postponed retirement — which one?See the annuity and FEHB difference between these two paths, side by side.05Roth or Traditional TSP?Enter your tax rates — the math tells you which one actually wins.06Should I convert my TSP to Roth?Model the tax cost today against the payoff at your expected retirement rate.07How should I withdraw from my TSP?Compare the 4% rule, RMDs, and a fixed draw — see which one actually lasts.08How do I maximize my holiday leave?Turn your leave budget into the most consecutive days off possible.

FH / Decision 01

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.

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FH / Decision 02

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.

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FH / Decision 03

VERA & VSIP Evaluator

Check VERA eligibility, estimate your unreduced annuity, calculate the VSIP buyout net of taxes, and see when the FERS supplement begins.

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FH / Decision 04

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.

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FH / Full Analysis

A calculator answers one question. Your Retirement Analysis connects your pension, Supplement, FEHB, TSP, and Social Security across every age you're considering.

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Can I Retire?

When Can I Retire?NewWork 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.Guide

MRA FinderFind 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.Guide

FERS Supplement EstimatorEstimate the monthly bridge payment from retirement to age 62. Correct eligibility gating, civilian-service-only rule, and 2026 earnings limit.Guide

Deferred vs. Postponed RetirementSide-by-side comparison of deferred and MRA+10 postponed paths: annuity size, age reduction, and the FEHB portability difference that usually decides it.Guide

VERA & VSIP EvaluatorCheck VERA eligibility, estimate your unreduced annuity, calculate the VSIP buyout net of taxes, and see when the FERS supplement begins.Guide

Federal Severance Pay CalculatorCalculate 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.Guide

Federal vs. Private Salary Break-Even CalculatorNewSee 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.

How Much Will I Get?

FERS Pension CalculatorCalculate 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.Guide

High-3 CalculatorCalculate your High-3 average salary — the 36-month basis for your FERS pension. Simple mode or time-weighted for promotions and locality changes.Guide

Pension Present Value CalculatorNewSee 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.

COLA ProjectorProject how annual COLAs change your annuity over time — FERS diet-COLA reduction, under-62 freeze, and the purchasing-power erosion gap vs. CSRS.Guide

Survivor Benefit ElectionCompare full, partial, and no-election options — including the annuity cost, survivor income, and whether your spouse can keep FEHB after you die.Guide

Court-Order Apportionment CalculatorNewSee 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.

SSA Earnings-History EstimatorNewPaste 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.

Household Retirement Income CalculatorNewCombine 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.

Already-Retired Income CalculatorNewAlready drawing your annuity? Combine your real pension, TSP withdrawal, Social Security, and VA disability from your own statements — no projection, just your actual numbers.

Increase My Retirement

Military Buyback CalculatorCalculate the FERS service credit deposit cost — 3% of military basic pay plus interest — and the monthly pension increase and break-even age.Guide

Reserve & Guard Retirement Pay CalculatorNewYour 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.

Break in Service — Redeposit CalculatorNewTook 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.

TSP Contribution OptimizerThe per-pay-period contribution that maxes your TSP by year-end — without the front-loading trap. Handles all 2026 catch-up brackets.Guide

Roth vs. Traditional TSPCompare after-tax retirement values on an equal-cost-today basis. Verdict: which wins for your current and expected retirement tax rates.Guide

In-Plan Roth Conversion AnalyzerModel 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.Guide

TSP Withdrawal CalculatorModel your TSP decumulation: 4% safe withdrawal rule, IRS required minimum distributions, or a fixed monthly draw — with year-by-year balance projection.Guide

TSP Roth vs. Traditional Split & Draw-Order CalculatorNewTrack 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.

Rule of 55 / 50 — Early Withdrawal Penalty CheckerNewSee 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.

Keep My Benefits

FEHB in RetirementCheck the 5-year eligibility rule and project your FEHB premium over a long retirement — compounding at recent annuitant inflation rates.Guide

FEGLI Premium CalculatorSee your current FEGLI cost and how Option B premiums escalate through each five-year age band. Includes a projection chart to retirement.Guide

Where Should I Retire?

Where to Retire — State Tax ComparisonNewCompare your pension, TSP, and Social Security income across all 50 states + DC by estimated state income tax, side by side.

Pay & Career

GS Pay CalculatorCalculate your 2026 locality-adjusted GS salary for any grade, step, and pay area. Includes the Executive Schedule pay cap callout for high-grade positions.Guide

Step Increase (WGI) TimingFind your next within-grade increase date and the salary at the next step, pulled directly from the 2026 GS pay tables.Guide

Take-Home Pay CalculatorEstimate biweekly net pay with federal-specific accuracy: FERS tier, FEHB premium conversion, Traditional vs. Roth TSP, and 2026 tax brackets.Guide

Leave & Time Off

Leave CalculatorProject 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.Guide

Holiday Leave OptimizerSee every federal holiday bridge for 2026 and 2027. Enter your leave budget and the tool auto-picks the highest-value combinations.Guide

Exact Years of Service CalculatorNewYour 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.Guide

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 · Illustrative

FedHorizon · Federal Retirement Decision ReportDiane · GS-13 · 28 yrs service · High-3: $108,200

Scenario Decision Snapshot

If you read one sectionRetiring at 57 generates about $267,720 in modeled gross pension and FERS Supplement payments before the age-62 pension surpasses it. After age 90, the higher pension wins — permanently.

Age 57 (MRA)Highest income by 80

Earliest exit — 5 fewer years of work

$4,462/mo

year 1 (includes supplement)

$2,976/moafter 62 (permanent)

Tradeoff: $793/mo less pension than age 62 — for life

Pension$2,976/mo

FERS Supplement$1,486/mo

Years of service33 years

Multiplier1.0%

Age 60

Earlier exit, higher pension than 57

$4,958/mo

year 1 (includes supplement)

$3,246/moafter 62 (permanent)

Tradeoff: 3 more years than age 57 for $270 more pension, but total drops once the supplement ends at 62

Pension$3,246/mo

FERS Supplement$1,712/mo

Years of service36 years

Multiplier1.0%

Age 62

Highest permanent pension

$3,769/mo

permanent monthly pension

Tradeoff: 5 more working years than 57; no supplement; permanent income floor

Pension$3,769/mo

Years of service38 years

Multiplier1.1%

Pension difference

$793/mo

Age 57 vs 62

Pension + Supplement crossover

When age-62 pension income catches up to age-57

Best by age 80

Age 57

By cumulative lifetime income

Survivor protection: electing the 50% option reduces the pension by about 10% ($325/mo) and, if you die first, pays your spouse $1,623/mo for life. Whether it comes out ahead depends on how long you both live.

Decision Scorecard

How each retirement age scores across the factors that matter most. Use this to identify which scenario best matches your priorities.

Factor	Age 57 ★ Highest income by 80	Age 60	Age 62
Lifetime Income Cumulative pension + supplement through age 80	Medium	Low	High
Years of Freedom Fewer years of work before retirement	High	Medium	Low
Pension Certainty Size of guaranteed monthly annuity	Low	Medium	High
TSP Dependency How much TSP is needed to bridge income gaps	High	Medium	Low
Flexibility Years remaining to change course	High	Medium	Low
FERS Supplement Supplement income available until age 62	Yes	Yes	No

Get this report built from your actual numbers — free during beta.

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Most tools run entirely in your browser. A few send your numbers to our calculation engine for accuracy — never stored.

These are planning estimates, not official OPM benefit determinations. Verify your eligibility, service history and benefit estimates against your agency's official records before making retirement decisions.