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Federal Benefits Gap Analysis
Retirement Income Planning
1-800-FED

Federal Benefits Gap Analysis

See where your federal retirement income falls short of your target. Identify gaps between your FERS pension, Social Security, TSP, and your desired retirement lifestyle.

2026 Federal Data FERS • SS • TSP • FEHB

Your Federal Retirement Profile

Your current annual basic pay (used to project High-3 and pension).

Total FERS creditable service years at present.

Your target annual income in retirement (pre-tax). Common rule: 80% of pre-retirement salary.

Your estimated SS benefit. Find yours at ssa.gov/myaccount.

Total annual TSP contribution (employee + match) until retirement.

7.0%
4.0%

Annual withdrawal rate from TSP in retirement.

Rental income, part-time work, spouse income, etc.

2.0%
$6,500

Your Federal Benefits Gap Analysis

Target Income
annual goal
Total Federal Income
from all sources
Income Gap
annual shortfall or surplus

Income Source Breakdown

Income Sources vs. Target

Retirement Income by Stage

Year-by-Year Income Projection

Age FERS Pension FERS Supp Social Security TSP Income Other Total Gap
Disclaimer: This calculator is for educational and informational purposes only and does not constitute financial, tax, or retirement planning advice. Results are estimates based on the assumptions and inputs provided and are not guaranteed. Actual federal retirement benefits are determined by OPM and SSA. Consult with a qualified financial advisor before making any retirement decisions.