Turn unused sick leave and military service into clear retirement value.
Unused sick leave and military service credit can have a meaningful impact on a federal employee’s lifetime pension—but the rules are often confusing. This calculator converts sick leave hours into additional FERS service credit and estimates the resulting increase in monthly and lifetime pension income. It also helps users evaluate the value of military service buyback by comparing the deposit cost against the projected increase in their FERS annuity. The result is a clear break-even analysis that helps federal employees understand whether buying back military time may be one of the best retirement investments they can make.-
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. -
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.
