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 min
Federal employees covered by FERS
Source: OPM Fedscope
Formulas applied per estimate
Time to complete
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What's Included
Five powerful tools, one clear picture of your retirement
Each tool works independently or together to give you the most accurate federal retirement estimate possible.
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.
Calculate your annuityTSP Growth Modeler
Project your TSP balance through retirement with contribution modeling and fund allocation analysis.
See the Range of Outcomes
Stress-test your plan across 10,000 market futures, from steady growth to prolonged downturns, and see the probability your income lasts.
Social Security Integration
Estimate your Social Security benefit alongside FERS for a complete income picture.
Compare Retirement Dates
Pick a target date and compare it against retiring earlier or later, side by side, in dollars per month.
How It Works
From data to clarity in four steps
Our guided process ensures nothing gets missed.
Step 01
Enter Your Details
Service history, salary, TSP balances, and benefit elections through our 10-step guided wizard.
Step 02
Your Numbers, Calculated
Official OPM and SSA formulas, Monte Carlo simulation across 10,000 market scenarios, 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.
The Math Behind It
OPM formulas. Your numbers. Nothing leaves your browser.
Every figure RetireCiv shows you comes from the same formulas OPM uses to calculate federal pensions: not estimates, not averages, not machine learning.
FERS Annuity Calculation
Source: OPM FERS Handbook, Chapter 50 (5 U.S.C. §8415)
Official OPM formulas
FERS annuity, Special Retirement Supplement, COLA adjustments, and survivor benefit reductions follow the published OPM FERS Handbook verbatim.
Your data never leaves 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, source, and sensitivity behind it. No black boxes: you can read exactly what drove each number.
Readiness Score
Fair: Gaps to close
+24 pts
available
Max TSP Contributions
+12 ptsDelay Social Security
+8 ptsBuild catch-up savings
+4 pts6 more recommendations waiting
Action Plan
Know exactly where your plan falls short.
Your personalized Action Plan scores every gap in your retirement readiness and hands you a prioritized checklist, with direct links to fix each one.
+24 pts
Average score improvement after completing top 3 actions