Know exactly where your federal retirement stands.
Calculate your FERS pension, model your TSP growth, and project your total retirement income.
Free Readiness Score, takes about 20 minutes
Federal employees under FERS
Source: OPM Fedscope
Time to complete
Built on formulas from
Five powerful tools, one clear picture of your retirement
Each tool works independently or together to give you a complete federal retirement estimate, with every assumption disclosed. The pension estimate, the TSP modeler and your Social Security estimate are free. Monte Carlo simulation, Social Security claiming-age timing and retirement-date comparison come with the full plan.
FERS Pension Calculator
Calculate your annuity using the official OPM formula based on your high-3 average salary, years of service, and retirement age. Includes special provisions for LEO, firefighters, and ATC.
Start freeTSP Growth Modeler
Project your TSP balance to your retirement date with contribution modeling and fund allocation analysis.
Monte Carlo Simulation
Stress-test your plan across 10,000 market futures by default, from steady growth to prolonged downturns, and see how often your income covers your spending in every simulated year.
Social Security Integration
Estimate your Social Security benefit alongside FERS for a complete income picture.
Compare Retirement Dates
Move your retirement date and watch your income change, year by year, all the way through retirement.
From data to clarity in four steps
Our guided process walks you through every input the estimate needs.
Step 01
Enter Your Details
Service history, salary, TSP balances, and benefit elections through our 9-step guided wizard.
Step 02
Your Numbers, Calculated
Official OPM and SSA formulas, Monte Carlo simulation across 10,000 market scenarios by default, and tax modeling, all run locally in your browser.
Step 03
See Your Results
Personalized dashboard with your readiness score, income projections, and gap analysis.
Step 04
Compare & Optimize
Run what-if scenarios, adjust variables, and find the retirement date that works best.
OPM formulas. Your numbers. Your retirement data stays in your browser.
Every pension figure RetireCiv shows you comes from the same formulas OPM uses to calculate federal annuities: no ballpark guesses, no machine learning. Where the estimate rests on an assumption, such as investment returns or the 4% withdrawal rate, the Assumptions page says so.
FERS Annuity Calculation
Example figures
Source: OPM FERS Handbook, Chapter 50 (5 U.S.C. §8415)
Official OPM formulas
FERS annuity, Special Retirement Supplement, and survivor benefit reductions follow the published OPM FERS Handbook formulas. Post-retirement COLA is a flat long-run assumption you can change in Settings, and every assumption is listed on the Assumptions page.
Your retirement data stays in your browser
Every calculation runs locally. Your salary, service history, and retirement date stay in your browser's storage, never transmitted to our servers.
Assumptions always visible
Every projection discloses the rate and source behind it. No black boxes: you can read exactly what drove each number. The free federal retirement course explains each formula in plain language.
Readiness Score
Good
+24 pts
from these three
Max TSP Contributions
+12 ptsDelay Social Security
+8 ptsBuild catch-up savings
+4 pts6 more recommendations waiting
Know exactly where your plan falls short.
Your personalized Action Plan scores every gap in your retirement readiness and hands you a prioritized checklist, ranked by how many points each fix earns back.
Your Readiness Score is free. The full Action Plan is part of Pro.
See where you stand, free.
The wizard and your Readiness Score are free, no account needed. Detailed income projections, scenario comparisons, and your personalized Action Plan are part of Pro.
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