About Us

Most federal employees spend 20–30 years in service without ever getting a clear, complete picture of what their retirement will actually look like. OPM estimates take months. HR offices give ballpark figures. And the official formulas are buried in dense regulatory documents most people will never read.

The result? People make major life decisions — when to retire, whether to work part-time, when to take Social Security — based on guesswork.

RetireCiv was built to fix that. We took the official OPM, SSA, and TSP formulas and built a tool that gives you a real, personalized number in under 20 minutes — for free.

The team behind RetireCiv brings together decades of experience in federal financial management, modeling, and systems development.

Our backgrounds span agencies across the federal government, giving us firsthand knowledge of the complexity federal employees face when planning for retirement.

We have advanced degrees in financial planning and deep expertise in OPM regulations, TSP fund management, and Social Security integration for federal workers. That knowledge is baked into every calculation RetireCiv performs.

These are the principles that guide every decision we make about how RetireCiv works.

Have a question, found an error in our calculations, or want to share feedback? We'd love to hear from you.