Free FERS calculator
Review modeled gross monthly benefits from annuity commencement, then follow annual taxes, premiums, TSP withdrawals, and net cash flow by calendar year.
No account. Start with what you know. Adjust assumptions when you are ready.
Calculator timeline
Actual calculator timeline interface · illustrative values
Plan snapshot
Benefit month: March 2026
Person A · gross benefits
Modeled gross monthly benefits
Gross benefit amounts and dates are planning estimates, not an OPM net deposit or processing schedule. Taxes, TSP distributions, and net income are calculated only in the annual planning view.
What changes in this period
Your results will differ. Benefit amounts and start/stop timing are planning estimates, not an OPM payment or processing estimate.
The same interface you will use in the calculator
Step through benefit months and annual plans here; in the calculator, this same timeline uses your dates, assumptions, and applicable status notes.
See how it worksWhat It Estimates
Start with rough inputs. FERSCalc turns them into a retirement timeline, retirement-date comparison, and annual cash-flow breakdown you can refine later.
Review modeled gross monthly benefits from annuity commencement and annual planning estimates by calendar year.
Compare one retirement date against another without losing your first result.
Review pension, TSP, Social Security, Medicare, and taxes in one place.
What You Need
Exact values help, but they are not required for a first pass. FERSCalc is built for iteration.
Spouse planning, comparison dates, Medicare, Roth conversions, and stress testing can be added after the basic estimate is working.
Depth On Demand
FERSCalc keeps the first step simple without hiding the details. Detailed modeling stays available after you get a useful first estimate.
Ready To Try It?
Use what you know today. The calculator can handle rough numbers first and more detailed planning assumptions later.
