Know exactly when and how to retire with confidence
No other planner we know of combines FERS, TSP, Social Security, and the federal pay system with inputs that never leave your browser. One plan, every tool, $49.95 a year.
RetireCiv Pro
One payment a year. Renews until you cancel.
You’ll sign up first, then check out. Cancel anytime from your account settings. 14-day refund on your first purchase.
The full plan adds
- Full PDF retirement report
- Personalized action plan
- Monte Carlo simulation (10,000 runs by default)
- Compare retirement dates
- Mortgage payoff analyzer
- Spouse / household planning
Free, with no account
- FERS annuity calculator
- Retirement readiness score
- 9-step setup wizard
- TSP growth projections
- Social Security estimates
Six questions your plan answers
Each tool is built around a decision federal employees actually face, not generic financial planning.
Monte Carlo simulation
Will my income last if markets underperform?
Simulations across 10,000 market futures by default give you real probability ranges, from steady growth to prolonged downturns. Know your odds before you decide.
Compare Retirement Dates
What's the optimal year for me to retire?
Pick your target date, then move it earlier or later and watch every figure update in dollars per month against your saved plan. One page answers years of guessing.
Full PDF Report
How do I share this with my spouse or advisor?
A print-ready plan with every assumption visible.
Action Plan
What should I actually do next?
Ranked actions with exact readiness score impact, not generic advice.
Mortgage Analyzer
Should I pay off my home before I retire?
See how payoff timing shifts your monthly retirement income.
Spouse Planning
How does a dual-income household change the math?
Joint projections and survivor benefit modeling for both earners.
Your retirement deserves a real plan
Every tool, one price. Cancel whenever you want. No pressure, no tricks.
Not ready? Start free.