Understand the true cost and value of protecting your spouse in retirement.
At retirement, federal employees must make a critical survivor benefit decision that can affect both household income and a spouse’s ability to maintain FEHB coverage. This decision matrix compares the maximum survivor benefit, partial survivor benefit, and no survivor benefit options in plain dollars. Users can see the monthly pension reduction, projected long-term cost, survivor income protection, and FEHB implications of each election. Rather than treating the survivor benefit as just another retirement form, this tool helps users understand the real trade-off between keeping more pension income today and protecting a spouse’s financial security tomorrow.Retirement
Planning for retirement as a federal employee involves more than estimating a pension or checking a TSP balance. Your retirement decision may depend on FERS eligibility, Social Security timing, TSP strategy, sick leave credit, military buyback value, interim pay planning, expenses, and long-term income needs. These retirement tools are designed to help you organize those moving pieces, test different scenarios, and make more confident decisions before you separate from federal service.
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Know how much cash you need before your federal retirement checks are finalized.
Retiring from federal service does not always mean your full pension starts right away. During OPM processing, retirees may receive only partial interim payments for several months while their final annuity is calculated. This calculator helps users estimate their potential income gap during that transition period by comparing projected interim pay against real retirement expenses. Users can test different OPM processing delays, interim pay percentages, and monthly spending levels to determine how much cash they should keep available before retirement. It is designed to help federal employees avoid relying on credit cards, emergency withdrawals, or forced TSP distributions during the first months of retirement. -
Estimate your federal retirement bridge income before age 62.
The FERS Special Retirement Supplement can be one of the most valuable—but most misunderstood—benefits available to eligible federal retirees. This estimator helps users calculate their potential monthly supplement based on their estimated age-62 Social Security benefit and years of FERS civilian service. It also includes an earnings test simulator so users can see how post-retirement wages may reduce or eliminate the supplement before Social Security begins. For federal employees considering retirement before age 62, this tool helps clarify how much bridge income they may receive and how outside work could affect that benefit. -
See your entire retirement picture—not just your TSP.
The Full Portfolio Retirement Planner helps federal employees look beyond a single account and understand how all of their assets work together. This workbook allows users to model TSP balances, IRAs, Roth IRAs, brokerage accounts, HSAs, cash reserves, pensions, Social Security, spouse income, liabilities, and retirement withdrawals in one coordinated projection. Instead of guessing whether their total financial picture is strong enough to support retirement, users can see how their income sources, investment accounts, spending needs, and withdrawal strategy interact over time. It is designed for federal employees who want a more complete, household-level view of retirement readiness. -
Know where every dollar goes—today and in retirement.
Financial success starts with understanding your spending. This planner tracks current monthly expenses, identifies payroll deductions, compares expected retirement expenses, and highlights which costs will disappear after leaving federal service.
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Plan your retirement with confidence—not guesswork.
The Finance for Feds Retirement Blueprint is a comprehensive retirement planning workbook built specifically for federal employees. Model your FERS pension, TSP balances, Social Security, investment accounts, retirement spending, healthcare costs, and long-term withdrawal strategy—all in one place. Interactive dashboards and easy-to-understand charts show whether you're on track, how long your money may last, and how changes today could affect your retirement decades from now. Whether retirement is five years away or twenty-five, this tool gives you a personalized roadmap toward financial independence.
