Question 1

Am I eligible to retire yet?

Accepted Answer

Enter your age and service years to find out instantly.

Question 2

When can I retire with full benefits?

Accepted Answer

See your earliest unreduced retirement date.

Question 3

What's my minimum retirement age?

Accepted Answer

MRA depends on your birth year — the calculator looks it up for you.

Question 4

Can I retire at 57 as law enforcement?

Accepted Answer

SCE employees have enhanced eligibility — select the SCE tab.

Question 5

What's the best date to retire to maximize benefits?

Accepted Answer

Four paths to an immediate pension — find which one you hit first.

Question 6

What is my pension worth in today's dollars?

Accepted Answer

See the present value of your full retirement package.

Question 7

How much will I get each month in retirement?

Accepted Answer

Your estimated monthly payment, before and after COLA.

Question 8

What will my total retirement income look like?

Accepted Answer

See your income phases: pension, FERS supplement, Social Security, and TSP.

Question 9

How long will my TSP last in retirement?

Accepted Answer

Project your TSP balance over time with different withdrawal rates.

Question 10

How does COLA affect my pension over time?

Accepted Answer

Watch your payment grow with inflation over 20 years.

Question 11

What's the total value of my federal benefits package?

Accepted Answer

Pension, TSP match, health insurance — all in one number.

Question 12

Is this outside offer actually worth it?

Accepted Answer

Compare any job offer against your full federal package.

Question 13

What salary do I need to justify leaving?

Accepted Answer

Find the minimum salary that covers your retirement gap.

Question 14

How long until the higher salary makes up for lost pension?

Accepted Answer

Year-by-year tracking of when you break even.

Question 15

How much is FEHB health insurance worth in retirement?

Accepted Answer

Compare FEHB retiree costs vs. marketplace and Medicare.

Question 16

Am I leaving money on the table?

Accepted Answer

See exactly how much retirement value you would walk away from.

Question 17

What private salary equals my federal compensation?

Accepted Answer

Total compensation comparison including benefits.

Question 18

Is it worth staying until 20 years of service?

Accepted Answer

Compare scenarios side-by-side to see the difference.

Question 19

How much pension value do I gain each year I stay?

Accepted Answer

Watch your pension grow year over year.

Question 20

Should I retire now or keep working?

Accepted Answer

Save and compare multiple retirement scenarios.

Question 21

What's the break-even for staying one more year?

Accepted Answer

See the cumulative impact of each additional year.

Question 22

Should I work until 62 or retire at MRA?

Accepted Answer

The 5% penalty math with real numbers and a breakeven example.

Question 23

What happens to my pension if I leave federal service?

Accepted Answer

You may still qualify for a deferred annuity at 62.

Question 24

How much is a deferred pension at 62 worth today?

Accepted Answer

See the present value of your deferred benefit.

Question 25

What if I leave with only 5/10/15 years?

Accepted Answer

Adjust your inputs to see the impact of different service lengths.

Question 26

How much TSP match would I forfeit if I leave early?

Accepted Answer

See unvested matching contributions you would leave behind.

Question 27

How will the 2027 pay raise affect my salary?

Accepted Answer

Interactive calculator to project your 2027 salary with different raise scenarios.

Question 28

What is the federal pay raise history?

Accepted Answer

See 12 years of pay raises and what influences the annual adjustment.

Question 29

How much TSP match am I leaving behind?

Accepted Answer

See the total future match value you would give up.

Question 30

Should I buy back my military time?

Accepted Answer

Calculate the cost and benefit of a military service deposit.

Question 31

What GS grade and step am I? Look up my pay.

Accepted Answer

Find your exact salary by locality, grade, and step.

Question 32

What does LEAP add to my salary?

Accepted Answer

Toggle LEAP to see the 25% availability pay boost.

Question 33

How much does my spousal survivor benefit cost?

Accepted Answer

See how the survivor election reduces your monthly payment.

Question 34

What are common retirement mistakes to avoid?

Accepted Answer

Seven costly mistakes with real numbers and links to check your own situation.

Question 35

Am I making a mistake by leaving early?

Accepted Answer

See your gap and verdict — the numbers speak for themselves.

Question 36

How much am I leaving on the table?

Accepted Answer

Quantify exactly what retirement value you would walk away from.

Question 37

When does a higher private salary break even?

Accepted Answer

Track the financial crossover year by year.

Question 38

Can I compare different retirement scenarios?

Accepted Answer

Save and compare up to 2 scenarios side by side.

Question 39

Can I export my analysis as a PDF?

Accepted Answer

Download a professional 2-page retirement report.

Got questions about your federal retirement?