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First release of the Federal Retirement Calculator!
Plan your FERS retirement - pension, TSP and Social Security, private on-device.
THIS APP DOES NOT REPRESENT A GOVERNMENT ENTITY. Federal Retirement Calculator is an independent educational tool for federal employees under FERS. It is not affiliated with, endorsed by, or connected to OPM, the Thrift Savings Plan, the Social Security Administration, the IRS, CMS, or any government agency. Every official source it uses is listed at the end. WHAT IT DOES Enter your service dates, salary, TSP and goals, and see your retirement year by year: FERS pension, supplement, Social Security, taxes, Medicare, and what your savings can support, in today's dollars. WHAT IT MODELS • FERS pension, MRA+10, special provisions, COLAs • Retiree supplement and its earnings test • Sick leave, military and part-time service • Social Security at any age from 62 to 70 • Federal tax by IRS brackets, with age-65 deductions • Medicare Part B, IRMAA, FEHB and FEGLI • TSP, IRAs, an HSA and required withdrawals • Survivor benefits and GS pay tables • Chance of success, What-If, saved plans, cash flow ONE OPTIONAL PURCHASE Everything above is free. One purchase, no subscription, unlocks Plan Review and the Roth conversion planner. They describe; they never advise. PRIVATE No account, servers, analytics or ads. Nothing you enter leaves your device. Not financial, investment, tax or legal advice. Verify figures with your HR office and OPM. OFFICIAL SOURCES (all 30) OPM FERS overview: https://www.opm.gov/retirement-center/fers-information/ Pension computation: https://www.opm.gov/retirement-center/fers-information/computation/ Eligibility and MRA: https://www.opm.gov/retirement-center/fers-information/eligibility/ Types of retirement, MRA+10: https://www.opm.gov/retirement-center/fers-information/types-of-retirement/ Creditable service: https://www.opm.gov/retirement-center/fers-information/creditable-service/ Annuity supplement: https://www.opm.gov/retirement-center/publications-forms/csrsfers-handbook/c051.pdf COLAs: https://www.opm.gov/support/retirement/faq/cost-of-living-adjustments/ Survivor benefits: https://www.opm.gov/retirement-center/survivor-benefits/ FEHB for annuitants: https://www.opm.gov/healthcare-insurance/healthcare/reference-materials/reference/annuitants/ FEHB premiums: https://www.opm.gov/healthcare-insurance/healthcare/plan-information/premiums/ FEGLI premiums: https://www.opm.gov/healthcare-insurance/life-insurance/program-information/ GS pay tables: https://www.opm.gov/policy-data-oversight/pay-leave/salaries-wages/ TSP TSP: https://www.tsp.gov/ TSP limits and match: https://www.tsp.gov/making-contributions/contribution-limits/ Social Security Administration Early claiming reduction: https://www.ssa.gov/benefits/retirement/planner/agereduction.html Delayed credits: https://www.ssa.gov/benefits/retirement/planner/delayret.html Benefit by claiming age: https://www.ssa.gov/OACT/quickcalc/early_late.html Earnings test: https://www.ssa.gov/benefits/retirement/planner/whileworking.html Taxes on benefits: https://www.ssa.gov/manage-benefits/request-withhold-taxes IRS 2026 brackets, Rev. Proc. 2025-32: https://www.irs.gov/pub/irs-drop/rp-25-32.pdf Age-65 deduction, Pub. 505: https://www.irs.gov/publications/p505 Senior deduction: https://www.irs.gov/newsroom/check-your-eligibility-for-the-new-enhanced-deduction-for-seniors RMDs: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds RMD starting age, IRB 2024-33: https://www.irs.gov/irb/2024-33_IRB RMD tables, Pub. 590-B: https://www.irs.gov/publications/p590b Taxable Social Security, Pub. 915: https://www.irs.gov/publications/p915 HSAs, Pub. 969: https://www.irs.gov/publications/p969 HSA limits, Rev. Proc. 2025-19: https://www.irs.gov/pub/irs-drop/rp-25-19.pdf Medicare (CMS) Part B premium and IRMAA: https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles Medicare costs: https://www.medicare.gov/basics/costs/medicare-costs