For federal employees · FERS & CSRS
See your whole retirement, one year at a time.
Your HR estimate shows you one day. FedPlanPro shows you every year from your last paycheck to age 99 — pension, TSP, Social Security, the supplement, FEHB, taxes and inflation, in a single picture you can actually read.
The gap
Your HR estimate is a photograph. Your retirement is a thirty‑year film.
The estimate from HR or OPM answers one question well: what your annuity will be on the day you walk out. It was never built to answer the rest — and that is not an oversight. It is policy.
Under OPM’s own retirement financial education strategy, agency programs must stay informational. Your benefits officer can lay out your options. They are not permitted to tell you which one is right for you.
Benefits officers provide information and education — they do not provide personalized financial or investment advice.
So the last person to hand you a number is also the last person allowed to help you interpret it. OPM’s guidance is explicit that employees own the decision. FedPlanPro exists to make that decision something you can actually see.
What the HR estimate gives you
Gross annuity, year one
Your pension does not move for five years
FERS retirees receive no cost‑of‑living adjustment until age 62 — disability, survivor and special‑provision retirees excepted. Retire at your MRA and the same dollar figure has to absorb five years of price increases.
And then the COLA you get is smaller than theirs
FERS COLAs are reduced by design. Under 2% inflation you get the whole number; between 2% and 3% you get a flat 2%; above 3% you get inflation minus a full point. CSRS and Social Security get the whole number every time. Over thirty years that difference compounds into real money.
The Special Retirement Supplement ends — permanently
It stops the month before you turn 62 whether or not you claim Social Security, and it never receives a COLA of its own. Take a job in the meantime and the earnings test claws back $1 for every $2 of earned income above the annual limit — around $24,000 a year.
Same health plan, quietly higher real cost
FEHB follows you into retirement at the same government share — but premium conversion does not. As an annuitant you pay those premiums with after‑tax dollars, out of an annuity that isn’t rising yet.
Protecting your spouse costs 10% of every payment
The maximum FERS survivor election reduces your annuity by 10% for life and pays your spouse 50%; the partial election costs 5% and pays 25%. Choose neither and your spouse loses the survivor annuity and their FEHB coverage after you’re gone. It is permanent, and you make it once — at retirement.
A balance is not an income
$600,000 does not tell you what you can spend. Your withdrawal rate, your traditional‑versus‑Roth split, your tax bracket and required minimum distributions at 73 or 75 decide what that balance is actually worth per year — and how long it lasts.
None of this is hidden. It’s just never shown to you in one place.
Try it
Move one slider. Watch thirty years rearrange.
A simplified version of the engine, running on a sample GS‑13. Change when he retires, when he claims Social Security, how fast he draws his TSP — and watch the whole picture redraw. Your own plan does this with your numbers.
Move a slider — the whole plan redraws.
Sample projection, for illustration only — a simplified model, not the FedPlanPro engine. Assumes a FERS employee aged 52, hired at 27, $118,000 salary, $410,000 TSP balance, 13% total TSP contributions, married filing jointly, no state income tax, and shows future (nominal) dollars. Your own plan is built from your LES, TSP and Social Security statements.
The ages that change everything
Four birthdays reshape your income. Plan around them.
Federal retirement isn’t one event — it’s a sequence. Each of these ages adds or removes a stream of money, and the order you hit them decides how much of your working income you keep.
Your minimum retirement age
Age 57 if you were born in 1970 or later — 56 and change if you were born before. With 30 years of service you can go immediately, unreduced.
- Annuity begins at 1% × years × high‑3
- Supplement may begin, if you qualify
- No COLA on the annuity yet
- Unused annual leave paid as a lump sum
The hinge year
More changes at 62 than at any other point in a federal retirement — in both directions.
- The supplement stops for good
- Your first FERS COLA becomes possible
- Social Security available, permanently reduced
- Retiring at 62 with 20+ years raises the multiplier to 1.1%
Medicare enters
You now hold two coverages and have to decide how they work together.
- Medicare Part A and Part B eligibility
- Keep FEHB, coordinate it, or both
- Part B premiums begin, income‑adjusted
- FEGLI Basic turns free — but only with the 75% reduction you elected at retirement
- FEGLI Options A, B and C step up sharply with age
The IRS sets your withdrawal
Required minimum distributions begin — 73 or 75 depending on your birth year — and you stop choosing.
- Traditional TSP must be drawn down
- Taxable income can jump in a single year
- Can push Medicare premiums higher
- Roth conversions before this point are a lever
What you’ll actually do with it
Six questions you can answer this evening.
Each of these is a slider, not a spreadsheet rebuild. Change one input and the whole picture redraws in front of you.
If I work two more years, how much does that actually change — and is it worth two more years?
Can I afford to leave at my MRA, or do I need to hold on until 62 for the COLA and the higher multiplier?
Should I claim Social Security at 62, at my full retirement age, or wait until 70?
What does electing the full survivor benefit do to our take‑home every single month?
What TSP withdrawal rate keeps the balance alive past 90 — and what happens if inflation runs at 4%?
Between the annuity, the supplement and the TSP, what tax bracket am I actually landing in?
How it works
Three statements in. Your whole retirement out.
Enter your own numbers
Your LES, your TSP statement, your Social Security estimate. Quick entry walks you through it — no formulas, no service‑computation math, no OPM handbook. We handle high‑3, creditable service, sick leave and the rest.
See the whole picture
Every year of retirement rendered as one graph: what comes in, what goes out, what you keep. Income sources stacked so you can see exactly which stream ends when — and what fills the gap.
Change one thing and watch
Move your retirement date, your Social Security age, your withdrawal rate, your COLA assumption. Save the versions. Come back in six months when your numbers change and update them.
Under the hood
Every rule that shapes a federal retirement — handled for you.
These are the pieces that make federal benefits unlike anything in the private sector, and the reason a generic retirement calculator gets your answer wrong.
Updated automatically as OPM rules change
Who builds this
Tens of thousands of feds. Every kind of agency.
The team behind FedPlanPro has spent years walking federal employees through their retirement — not just explaining it, but getting them ready for it. Employees from agencies right across government. FedPlanPro is the software that came out of that work.
The same engine the professionals use
Financial professionals who specialize in federal clients run their cases on this software. Same calculations, same scenarios, same year‑by‑year picture. As a federal employee you get the identical tool — you just don’t have to hire someone to see the output.
Built for the gap OPM can’t fill
It exists because the reports stop exactly where the real planning starts. Not through anyone’s fault — benefits officers are required to stay informational. FedPlanPro picks it up from there and hands the whole picture to the person who actually has to live with the decision.
It’s a cheat code for feds.
New software. Not new expertise.
The math on the decision itself
You’re about to make a decision worth well over a million dollars.
A thirty‑year FERS annuity, a TSP balance and a lifetime of Social Security add up to seven figures for most career federal employees. It is the largest financial decision most feds will ever make, and it is very close to irreversible.
Ninety‑nine dollars to see it clearly before you sign.
Personal plan
One federal employee. Everything included.
- Unlimited scenarios and revisions
- Year‑by‑year income and expense graphing
- Adjust COLA, inflation and TSP rates on the fly
- Add non‑federal income, assets and expenses
- Compare working income against retired income
- Printable PDF report to take to your spouse or advisor
- Upload and store your LES, TSP and SSA statements
- Update your numbers as your life and the rules change
Working with an advisor? See the professional plan
Questions
Before you buy.
Isn’t the estimate from HR or OPM good enough?
It’s good for one thing: a snapshot of the day you retire. It stops there by design. OPM’s retirement financial education strategy requires agency programs to stay informational — benefits officers lay out your options and are explicitly not permitted to give you personalized financial advice. That’s not them being unhelpful; it’s the boundary they work inside. But it does mean nobody official is going to show you what year 12 of your retirement looks like. That’s the gap FedPlanPro fills.
Do I need to understand FERS to use it?
No. That’s the point. You enter what’s on your LES, your TSP statement and your Social Security estimate. High‑3, creditable service, the supplement formula, the FERS COLA rule, survivor reductions, RMDs — the software applies them. You read a graph.
Is there a printable report?
Yes, and it’s a good takeaway — but it isn’t the thing that gets you to the “ah‑ha” moment. FedPlanPro was built from the ground up so you can explain your retirement to someone else and have them instantly understand it. Graphs get you to the answer far faster than pages of numbers.
What if my numbers change?
Update them. Your plan isn’t a one‑time report — it’s a living file. Change your retirement date, a pay raise, a TSP balance, a new inflation assumption, and everything redraws. Your $99 covers unlimited revisions and unlimited views for the year.
Does it handle CSRS, CSRS Offset and special provision?
Yes — along with MRA+10, deferred retirement, VERA, part‑time service, military service time, non‑deduction and refunded service, deposits and redeposits. These are exactly the cases generic retirement calculators get wrong.
Is FedPlanPro giving me financial advice?
No. FedPlanPro is a professional education and software service. It shows you what your own numbers produce under the federal rules and the assumptions you choose. It doesn’t recommend investments, and it isn’t a substitute for advice from a financial professional or from your agency’s benefits officer.
Got Questions?
Don’t be shy. We are here to answer your questions.