Should I retire on my target date or wait?
Compare retirement dates side by side so timing decisions are grounded in projected monthly income, taxes, and cash flow.
Free for federal employees — no account needed
Compare FERS retirement dates with a clearer view of monthly income.
FERSCalc is a free tool built by a federal employee for federal employees who want a clearer picture of retirement timing, household cash flow, and tradeoffs before making a final decision.
Takes about 10 minutes — start with what you have and refine later.
Free to use. No account required.
Calculator data stays in your browser.
Scenario comparison is a first-class workflow.
Withdrawal-source comparison and Roth conversion planning included.
What a visit should answer
Can this retirement date work?
FERSCalc
Working Now
$7,240
Current monthly take-home
Salary$120,000
FICA + TSP + tax dragModeled
Retirement Plan
$5,460
Projected monthly net in year 1
Pension + supplementIncluded
TSP + tax effectsIncluded
Models
Pension, supplement, TSP, FEHB, taxes, Medicare, Social Security.
Supports
Compare retirement dates and review the tradeoffs side by side.
Does Not
Replace official estimates, future law changes, or professional advice.
What FERSCalc helps answer
The questions most people actually care about.
Use it to reduce uncertainty around timing, cash flow, and what changes after the paycheck stops.
What could retirement income actually look like?
See how pension, supplement, TSP withdrawals, Social Security, FEHB, Medicare, and taxes interact instead of looking at each piece in isolation.
How much uncertainty is in my plan?
Use scenario comparison and Monte Carlo analysis to move beyond a single neat number and understand resilience.
What It Models
Grounded in the parts that shape retirement reality.
FERS pension and supplement
Eligibility timing, pension income, and the FERS supplement built around standard FERS tiers and 6C special-category retirement rules.
Social Security timing
Includes claiming-age inputs and implemented WEP/GPO repeal handling where applicable.
TSP drawdown and Monte Carlo
Project withdrawals, compare available source modes, test threshold-aware guardrails, model fixed annual in-plan Roth conversions, and stress-test longevity under variable market returns.
Health and Medicare costs
Accounts for FEHB, Medicare Part B, and IRMAA considerations in projected cash flow.
Federal and state taxes — all 50 states + DC
Detailed state income tax rules are modeled for all 50 states and DC, including the nine no-income-tax states.
Scenario comparison and export
Compare retirement dates, review results tabs, see the current withdrawal-source recommendation, and keep what matters with share links, exports, and printable reports.
See It In Action
What you will actually see inside the calculator.
No surprises. Here is what the tool looks like before you open it.
Why FERSCalc
What most retirement tools leave out.
Federal employees typically piece together five or six tools and a spreadsheet. FERSCalc puts the pieces in one place.
Everything in one place
Pension, supplement, TSP, Social Security, FEHB, Medicare, and taxes in one tool. Stop stitching together five calculators and a spreadsheet.
Most free tools cover pension only. General planners make you translate FERS concepts into generic inputs.
Free. No account. Data stays local.
No subscription required, no account to create, and your calculator data never leaves your browser.
Many comprehensive alternatives require paid subscriptions and accounts. Most free options cover pension only.
Real tax numbers for your state
Federal plus all 50 states and DC. Knows which states exempt federal pensions. Shows after-tax cash flow, not gross estimates.
State tax modeling is rare in free FERS tools and limited even in many paid ones.
Monte Carlo stress testing
See how your TSP holds up across thousands of market scenarios — not just one assumed rate of return.
Monte Carlo is common in general-purpose planners but rare in tools that understand FERS natively.
Compare scenarios side by side
Retire at 57 vs. 60? Full survivor vs. partial? See the difference in projected cash flow, taxes, and TSP longevity in one view.
Most tools show one scenario at a time. You change inputs and lose the previous result.
Built for FERS, not adapted from something else
Understands the supplement, sick leave conversion, 6C provisions, WEP/GPO, and IRMAA cliffs natively.
General-purpose planners require you to model FERS rules manually.
Why This Exists
Built by a federal employee, for federal employees.
FERSCalc started as a personal tool to plan retirement dates and compare post-retirement income for a two-federal-employee household. When colleagues and friends started asking to use it, the project grew into a free, privacy-first calculator that any federal employee can use without sharing personal data, creating an account, or paying a subscription.
The goal is simple: give federal employees a clearer picture of what retirement could look like, so they can walk into that decision with more confidence.
100%
Free to use
50 states + DC
State tax coverage
Local
Scenario data stays in your browser
Open
No account required
What To Expect
A planning workflow, not a black box.
1. Enter facts
Start with the information you already have
Dates, high-3 salary, TSP balances, Social Security estimates, FEHB details, and your filing state can be entered progressively.
2. Compare outcomes
See retirement as household cash flow
See what retirement could mean month to month after taxes and benefit-related deductions, including when the current withdrawal-source comparison can highlight a more efficient available rule.
3. Refine expectations
Pressure-test before making a final decision
Adjust assumptions, compare target dates, test guardrails or planned Roth conversions, and use the output as planning context before you seek official confirmation.
What It Does Not Do
Clear limits make the tool more trustworthy.
FERSCalc should reduce ambiguity, not create false certainty.
- Not an official OPM estimate and not affiliated with any federal agency.
- Not financial, tax, or legal advice, and not a guarantee of future outcomes.
- Employee-type support includes standard FERS tiers and 6C special-category retirement rules, but not every federal retirement system or special case.
- State income tax is modeled for all 50 states and DC. Implementations are planning approximations and some state-specific edge rules are intentionally simplified.
- Outputs depend on the quality of your inputs and the assumptions used in the model.
FAQ Preview
The questions skeptical users usually ask first.
Who is FERSCalc for?
FERSCalc is a free tool built by a federal employee for federal employees who want a practical view of retirement timing, income, taxes, and household cash flow. It is most useful when you are actively comparing retirement dates or pressure-testing whether a plan looks workable.
Is FERSCalc free?
Yes. FERSCalc is free to use, does not require an account, and is intended to remain a genuinely free option for federal employees rather than a near-term subscription product. If sustainability ever becomes a real constraint, that would be reassessed then and communicated plainly.
Does FERSCalc replace an official OPM retirement estimate?
No. FERSCalc is an independent planning tool, not an official estimate from OPM or any federal agency. It is intended to help you understand scenarios and tradeoffs before you make final decisions.
Is my data uploaded to a server?
No calculator scenario data is uploaded. The calculator runs in your browser and stores your scenario locally on your device unless you explicitly export it yourself.
What information should I gather before I start?
You will get the best results if you have your birth date, service start date, target retirement date, high-3 salary, TSP balances, expected Social Security figures, FEHB details, and your filing state. You can still start with partial information and refine later.
Try It
Start with the calculator. Keep the email list as a fallback.
If you are already gathering retirement facts, the next step is to try the calculator. If not, you can still leave your email for product updates.
Get Updates
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