Monthly income
See estimated year-one retirement income after taxes and FEHB.
Free FERS calculator
Estimate FERS retirement income in minutes.
Compare retirement dates, monthly income, taxes, and TSP drawdown with a first result you can refine later.
No account. Start with what you know. Adjust assumptions when you are ready.
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Sample first answer
Estimated year-one retirement income
$5,460
per month after taxes and FEHB
Retire at 57
$5.5k/mo
Retire at 60
$6.1k/mo
TSP runway 33+ years
Free for federal employees
Calculator data stays in your browser
Planning context, not an official estimate
What It Estimates
One first pass should answer the questions that shape the decision.
Start with rough inputs. FERSCalc turns them into a monthly income picture, retirement-date comparison, and cash-flow breakdown you can refine later.
Date comparison
Compare one retirement date against another without losing your first result.
Cash-flow detail
Review pension, TSP, Social Security, Medicare, and taxes in one place.
What You Need
Start with five rough facts.
Exact values help, but they are not required for a first pass. FERSCalc is built for iteration.
- Date of birth and planned retirement date
- Federal service start date
- Current salary or High-3 estimate
- TSP balances and rough withdrawal plan
- Social Security estimate, if you have one
Spouse planning, comparison dates, Medicare, Roth conversions, and stress testing can be added after the basic estimate is working.
Depth On Demand
The advanced planning tools are still there.
FERSCalc keeps the first step simple without hiding the details. Detailed modeling stays available after you get a useful first estimate.
Show examples of advanced coverage
- State income tax treatment
- TSP source-order comparisons
- Roth conversion windows
- Monte Carlo stress testing
- 6C special-category retirement support
- Printable reports and CSV export
Ready To Try It?
Start with a first estimate, then refine it.
Use what you know today. The calculator can handle rough numbers first and more detailed planning assumptions later.