RetireFork: Pension Planner

Retire at 57, 60, or 62? The difference can be over $1,600 a month. This calculator puts your retirement scenarios side by side so you can see exactly what each date is worth — before you file the paperwork.

Built on OPM's own rules. The calculation engine is validated line by line against the official worked examples in the OPM CSRS/FERS Handbook — sick leave credit, the 1.1% multiplier at 62, service rounding, survivor reductions. What the handbook computes, this app computes.

What official tools can't show you:
• Side-by-side comparison of any retirement dates — annuity, FERS supplement, TSP, and survivor benefit in one table
• MRA+10 done right: the 5/12% per month reduction, and the postponement option that removes it (and reinstates FEHB)
• FERS supplement estimate — who gets it, when it starts, when it ends
• Special provisions: law enforcement, firefighters, air traffic controllers (1.7% formula)
• CSRS and CSRS Offset, including the 80% cap and sick leave above it
• Sick leave credit converted exactly per the OPM 2,087-hour chart
• TSP projection with separate growth/withdrawal returns and a start month you choose
• Rough after-tax view with your effective tax rate
• FEHB continuation check for every scenario

Private by design. Your salary and service data never leave your phone. No account, no server, no ads.

Free: full calculation for one scenario. One-time purchase unlocks unlimited side-by-side scenarios — no subscription.

*Estimates only — not financial, legal, or tax advice, and not an official annuity estimate. Your annuity is determined by OPM from your official records. Verify with your HR office and OPM before making decisions. This app is unofficial and is not affiliated with, endorsed by, or connected to OPM, the U.S. government, or any government agency.*

Information sources (official U.S. government websites):
- FERS Information (OPM): https://www.opm.gov/retirement-center/fers-information/
- CSRS/FERS Handbook (OPM): https://www.opm.gov/retirement-center/publications-forms/csrsfers-handbook/
- Retirement benefits (SSA): https://www.ssa.gov/benefits/retirement/