Free Calculator
- See your estimated total monthly retirement income
- Estimate your FERS pension using your salary and service
- See what TSP withdrawals could add each month
- Include VA disability income, if applicable
Federal retirement calculator
Federal Employees: See When You Can Retire and What Your Monthly Income Could Be
Estimate your FERS pension, TSP income, VA disability pay, and total monthly retirement income in minutes.
Built for federal employees, veterans, active duty, reservists, and military-to-federal career planners.
14 planning sessions reached retirement results
Recorded planning activity. Repeat visits may count separately.
Built by Brian R Hickey.
Federal IT Specialist | M.S. in Cybersecurity & Information Assurance | Cybersecurity, Systems Administration & Network Operations
View founder on LinkedIn
Designed around FERS, TSP, VA disability, and military-to-federal retirement planning.
Private by design. No financial advisor sales pitch.
Planning outcome
Have an OPM pension estimate? See your full retirement picture.
Your pension is one piece of the decision. Bring your FERS pension, TSP withdrawals, VA disability, Social Security timing, and military retirement assumptions together to see how much monthly income you could have when you stop working. Use FERSFree alongside your official benefit estimates.
Free vs paid
Start with your numbers. Upgrade when you want clearer retirement decisions.
Retirement Decision Report
$20 one-time purchase
And you keep the report.
- Compare retirement dates side by side to see which provides more monthly income
- Explore how long your income could last and what changes if you wait
- See how retirement income compares with what you live on today
- Spot planning risks and leave with a personalized next-step checklist
- Printable / downloadable PDF summary
Refund policy: Requests are reviewed case by case; refunds may be limited after access or extensive use.
Start with a free income estimate. Upgrade for a $20 one-time cost to compare retirement dates, explore how long your income could last, and keep a printable plan of your next steps.
Illustrative comparison
What could one more year of work change?
Fictional example, not a calculation or a personalized estimate. These rounded monthly amounts show how to read a date comparison. Your report uses your own inputs.
| Income source | Retire June 2030 | Retire June 2031 |
|---|---|---|
| FERS pension | $2,400 | $2,550 |
| TSP withdrawals | $1,000 | $1,100 |
| VA disability pay | $800 | $800 |
| Total each month | $4,200 | $4,450 |
One year later: $250 more per month in this example. Compare that increase with another year at work and a later start to retirement income.
This simplified example excludes Social Security, the FERS Supplement, military retirement, and changes in benefits over time. It does not establish eligibility or a break-even age.
Sample report preview
See the decision-report output before you upgrade.
See how the report helps you compare retirement dates, understand how much of today’s income you could replace, and identify your next planning steps before you buy.
What the free flow includes
Core planning tools built around federal retirement decisions
See what you could live on each month
Bring your income sources together in a free profile. See your estimated monthly retirement income and how it compares with the income you live on today.
Explore how your retirement timing affects your pension
Use your High-3 salary, service computation date, retirement age, and retirement type to estimate your FERS pension. Review MRA+10 and FERS Supplement assumptions where they apply.
See how TSP and VA income fit with your pension
Estimate what TSP withdrawals and VA disability pay could add to your monthly income. Include the federal and military income sources that apply to your household.
How it works
A straightforward planning flow
Enter your federal, military, veteran, and retirement income assumptions.
See your estimated monthly income and how it compares with what you live on today.
Upgrade when you want side-by-side retirement-date comparisons and a printable checklist of your next steps.
FAQ
Common questions
Why pay $20 when free retirement calculators exist?
Use the free calculator when you need an income estimate. The Retirement Decision Report adds side-by-side retirement-date comparisons, views of how long your income could last, planning risk flags, and a printable, personalized planning checklist. It is a one-time purchase, and you keep the report.
How does this fit with an OPM retirement calculator or pension estimate?
If you have an OPM pension estimate but still need to bring your income sources together, FERSFree helps you organize FERS, TSP, Social Security, VA disability, and military retirement assumptions in one plan. Use it alongside official estimates to explore your retirement timing and monthly income.
What should I check for MRA+10, VERA, military buyback, or survivor benefits?
Review your retirement type, service computation date, and FERS Supplement assumptions in the planner. The report checklist can flag military buyback documentation and survivor benefit elections for review. Confirm service credit, survivor choices, and any agency VERA authority with your benefits office. Postponed annuity commencement is not modeled in this planner.
Who is FERSFree built for?
FERSFree is built for federal employees, veterans, reservists, military members, and households with federal or military-connected retirement planning needs.
Does FERSFree replace official benefit estimates?
No. FERSFree is a planning tool meant to help organize assumptions and compare scenarios. Official benefit determinations still come from the relevant government agencies and records.
Can I use it before I am close to retirement?
Yes. Many users start earlier so they can understand timing tradeoffs, savings assumptions, and how different income streams may work together later.
Does FERSFree only look at salary replacement?
No. FERSFree separates cash-flow continuity from earned-income replacement. Cash-flow continuity compares income payable at retirement with the income you currently live on, while earned-income replacement compares retirement income with the work income that stops when you retire.
Is this only for one retirement system?
No. The platform is intended for mixed retirement scenarios, including FERS, TSP, Social Security, military retirement, and other income sources.