Federal Retirement Planner

Your complete federal retirement analysis in 4 steps. Estimate your FERS pension, plan TSP withdrawals, compare healthcare options, and see your full income picture.

Complete Analysis FERS • TSP • FEHB • Medicare • SS

Step 1: Your FERS Pension

Current Annual Salary

Current Age

Retirement Age

Years of Creditable Service

FERS Category

Annual Raise (%) 2.0%

Monthly SS at 62 (estimate)

SS Start Age

Elect 50% Survivor Benefit? (10% pension reduction)

Step 2: Your TSP Plan

Current TSP Balance

Annual TSP Contribution

Employee + agency match. 2026 limit: $23,500 (under 50), $31,000 (50+).

Pre-Retirement Growth (%) 7.0%

Withdrawal Rate (%) 4.0%

Other Annual Retirement Income

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

Step 3: Healthcare in Retirement

Annual FEHB Premium (Your Share)

Annual Out-of-Pocket Costs

Healthcare Inflation (%) 5.0%

Life Expectancy 85

Desired Retirement Income (Annual)

Your target annual income. Common rule: 80% of pre-retirement salary.

Enroll in Medicare Part B at 65? (recommended)

Your Complete Federal Retirement Picture

ANNUAL INCOME GAP

—

vs. target

FERS Pension

—

annual

Social Security

—

annual

TSP Income

—

annual

Healthcare Cost

—

annual

Income Summary at Retirement

Retirement Income by Source vs. Target

Income Stages Through Retirement

Year-by-Year Federal Retirement Projection

Age	FERS	Supplement	SS	TSP	Other	Total	Healthcare	Net Income

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, SSA, and CMS. Consult with a qualified financial advisor or benefits specialist before making any retirement decisions.