Federal Retirement Calculator

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