Free Calculator
- Basic retirement estimate
- FERS pension estimate
- TSP projection estimate
- VA disability income estimate, if applicable
Federal retirement calculator
Find Out When You Can Retire — and What You’ll Actually Bring Home
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.
Built by a federal employee and cybersecurity professional.
Designed around FERS, TSP, VA disability, and military-to-federal retirement planning.
Private by design. No financial advisor sales pitch.
Planning outcome
Stop Guessing Your Retirement Number
FERS, TSP, VA disability, Social Security timing, and military service can all affect your retirement picture. FERSFree helps organize those moving parts into a clearer estimate so you can make better planning decisions.
Free vs paid
Start with your numbers. Upgrade when you want clearer retirement decisions.
Retirement Decision Report
$20 one-time purchase
- Best retirement date comparison
- Income durability and timing tradeoff views
- Cash-flow continuity and earned-income replacement views
- Risk flags and personalized next-step checklist
- Printable / downloadable PDF summary
Use the free calculator to estimate your numbers. Upgrade for a $20 one-time cost when you want retirement timing comparisons, income durability views, risk flags, and a printable decision report.
Sample report preview
See the decision-report output before you upgrade.
A sample report is available to help you understand the decision-report format before you buy. The preview shows how the paid experience highlights timing comparisons, current-income continuity, work-income replacement, and the decision support you unlock after checkout.
What the free flow includes
Core planning tools built around federal retirement decisions
Basic retirement estimate
Build a free profile and estimate total monthly retirement income, cash-flow continuity, and earned-income replacement across the modules that apply to you.
FERS pension estimate
Model FERS pension assumptions using your High-3 salary, service date, retirement age, and retirement type.
TSP and VA income estimates
Estimate TSP withdrawal income and VA disability compensation when those pieces apply to your plan.
How it works
A straightforward planning flow
Enter your federal, military, veteran, and retirement income assumptions.
Review your estimated FERS pension, TSP income, VA pay, total monthly income, cash-flow continuity, and earned-income replacement.
Unlock the full report when you want the detailed timeline, continuity views, and printable PDF.
FAQ
Common questions
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.