Your FERS pensionAt any retirement age, with the MRA+10 reduction, the 1.1% multiplier at 62 with 20 years, sick leave credit, a military service deposit, and the survivor election.
The retiree supplementWhether you qualify, what it pays until 62, and how much the earnings test takes back if you keep working.
Special provisionsLaw enforcement, firefighters and air traffic controllers, with their own eligibility ages and multiplier.
TSPContributions, the agency match, the Traditional and Roth split, and how long savings last at your spending.
Social SecurityYour benefit at the age you choose to claim, and a spouse’s, alongside everything else.
TaxesFederal tax by the IRS brackets for your filing status, a state rate, how much of Social Security is taxable, and required withdrawals at 73 or 75.
Health and insuranceFEHB and FEGLI premiums into retirement, Medicare Part B from 65 with the income surcharge, and a Health Savings Account.
Chance of successYour plan run through 1,000 simulated market histories, so a bad stretch early in retirement is part of the picture.
What-IfDrag a slider for retirement age, contributions or spending and watch the whole projection recalculate.
Compare plansSave different versions of your plan and see them side by side: retirement date, spending, chance of success.
Cash flow, year by yearA statement of every year — what you hold, what comes in, what goes out — and a PDF report to share.
Check it against your estimateA screen that walks line by line through comparing the app with the official estimate from your agency.
Screenshots use a made-up plan.
