Federal Retirement Calculators

Find out exactly how much your unused sick leave is worth at retirement — in creditable service, added pension value, and real dollars. Includes accrual projection and optimal timing suggestions.

Estimate your pension under FERS, CSRS, CSRS Offset, Special Groups, VERA/RIF, Military, or Congressional systems. Includes High-3 estimation, military buyback comparison, MRA+10 reduction analysis, and 20-year COLA projection.

Project your TSP balance at retirement using your actual fund allocation (G, F, C, S, I funds). Includes contribution optimization, agency match analysis, Traditional vs. Roth comparison, RMD planning, and the true cost of TSP loans.

Understand exactly what your FEGLI coverage costs today and at retirement. Covers Basic, Option A, B, and C — with post-retirement reduction comparisons, breakeven analysis, and private coverage comparison.

Find out what it costs to buy back your military service time — and what that investment is worth in extra pension income for life. Includes deposit estimate, interest calculation, breakeven analysis, and payment options.

Use SSA's official estimator to see your projected Social Security benefit based on your earnings history.

Step 1 — Should I convert at all? This fiduciary-grade screening tool asks the foundational questions before running any math. If you don't pass the screen, the numbers don't matter. Always start here before running the full analysis.

Step 2 — What does the math actually look like? Once you've passed the suitability screen, this deep-dive calculator shows your Break-Even Tax Rate, year-by-year comparison, legacy impact, and whether the numbers favor conversion for your situation.

Compare a market-based stock portfolio against guaranteed annuity income using Monte Carlo simulation across 1,000 market scenarios. Includes risk analysis, percentile outcomes, inflation adjustment, and an allocation strategy tool.

Enter your gross withdrawal each year and see exactly what the IRS keeps — then what actually reaches your mortgage. Covers all 50 states, 2026 federal brackets, IRMAA as a real dollar cost, Social Security taxability by year, bracket fill suggestions, recast calculator, and a pay-off-vs.-invest comparison for every interest rate including COVID-era low rates.

• Federal & state taxes on every withdrawal
• IRMAA surcharge shown as a real dollar cost
• Social Security taxability by year
• Bracket fill — how much to pull to stay in your bracket
• Recast calculator — new payment after each paydown
• Add years until mortgage is paid or goal is reached
• Pay off vs. invest comparison for every rate
• Age-aware: early penalty, RMD, and IRMAA flags

Works for TSP, 401(k), 403(b), IRA, and 457(b) accounts. Especially valuable for federal employees approaching retirement who are weighing whether to pay down their mortgage before leaving service — and whether the tax cost is worth the guaranteed interest savings.