Your next chapter.
A clearer retirement picture.
Connect your retirement date, pension and monthly budget. Free to use, with no signup. Your entries stay in this page and reset when you reload.
Official federal employee resources →Retirement paperwork assistance, start to finish
Meet one-on-one with our federal retirement consultants to work through decisions shaped by your agency, service history, and retirement date.
TSP & income planning
We help you understand how your Thrift Savings Plan, pension, Social Security, and insurance choices fit together.
- Plan how your TSP fits your retirement income
- Understand withdrawal and rollover options
- Compare financial products that may complement your federal benefits
- Build a retirement income distribution strategy
Civilian FERS estimates only; this calculator does not estimate military retired pay. See our military retirement & TSP guide for that topic. Educational estimates for regular FERS and qualifying special-provisions FERS employees with at least five years of creditable civilian service. Agency-confirmed coverage is required; job title alone does not qualify you. CSRS, disability, deferred/postponed, part-time and mixed CSRS/FERS cases need individual review. No sick-leave credit, supplement, COLAs or deposit adjustments are included.
When could you retire?
Enter your age and creditable service at the proposed separation date. This assumes your pension starts immediately. Exclude unused sick leave from service here.
Potential unreduced immediate retirement
Minimum retirement age: 56 years, 4 months. Estimated age reduction: 0.00%.
Gross pension before taxes and insurance. High-3 means your highest consecutive three-year average basic pay. Lower survivor elections generally require spousal consent. Postponing an MRA + 10 pension may reduce its age penalty, but can affect the timing of benefits. Confirm elections and eligibility with HR.
Sources: OPM retirement eligibility · OPM pension and survivor calculations. Reviewed October 5, 2026.
See how pension, Social Security and TSP form your three-legged stool →
Your federal retirement paycheck
Your selected regular or special-provisions pension estimate above flows into this budget. Enter monthly gross income and your own estimated tax and insurance deductions. Include housing, food and other living costs in expenses, without counting taxes or insurance twice.
Taxes are your input, not a computed tax liability. A monthly snapshot does not establish whether TSP withdrawals are sustainable. Benefits can start at different ages; update this budget for each stage.
Stress-test these withdrawals against a market decline →If your spouse outlives you
Compare your household budget above with an illustrative surviving-spouse budget. The survivor pension from your selected regular or special-provisions coverage flows in automatically. Enter your spouse’s own income and their expected total Social Security after your death—not both current checks added together.
Life insurance is shown separately, not converted into guaranteed income. Confirm Social Security survivor eligibility and amounts with SSA. This scenario models the employee dying first; reverse roles with your adviser for a full household review. Survivor health coverage eligibility requires a separate benefits review.
Your retirement readiness checklist
0 of 10 items marked reviewed. Progress stays in this page only; print or save before leaving.
Includes your inputs, current results, and checked preparation items. No account numbers or Social Security numbers are needed.
Request a free federal retirement review
Bring your questions about FERS, TSP, Social Security, and survivor choices. We will contact you to arrange a time with a consultant.