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Federal Retirement Calculators & Planning Tools
Answer the questions that drive your retirement decision.
Data current as of January 11, 2026 · Sources: OPM · IRS · TSP · SSA · BLS · GSA
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For most federal employees, these five tools answer the most important questions.
Pension
FERS Pension Calculator
See your monthly pension at each retirement age and compare the 1.0% vs 1.1% multiplier.
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 the exact salary figure OPM uses as the base for your pension.
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.
Supplement
FERS Supplement Estimator
Model the income bridge from early retirement to age 62 and when the supplement ends permanently.
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.
Health
FEHB in Retirement
Check eligibility and project your health insurance cost through 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.
Pension
Military Buyback Calculator
Calculate the deposit cost, monthly pension increase, and break-even for adding military years.
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.
Can I Retire?
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.
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.
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.
How Much Will I Get?
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.
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.
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.
Increase My Retirement
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
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
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.
Keep My Benefits
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.
Pay & Career
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 & Time Off
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.
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.
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