FERS Math
Sophisticated calculators and trusted financial insights to help you understand exactly where you stand — and what it takes to get where you want to be.
Retirement Calculators
Built for accuracy. Designed for clarity. Each tool models real-world retirement scenarios.
High-3 Average Salary Calculator
Calculate your FERS High-3 using OPM's 360-day rule. Enter your full GS grade and step history to find your highest 36-month window.
GS Salary History Lookup
Pick a grade, step, and locality area to see every year of available pay data and a chart of how the salary has grown.
TSP Fund Performance
Compare G, F, C, S, I, and Lifecycle fund share prices over any date range since May 2003 on an indexed performance chart.
TSP Monte Carlo Projection
Enter your current TSP balances and see a range of simulated future outcomes built from real historical fund returns, not a single assumed growth rate.
FERS Supplement Estimator
Estimate your FERS Supplement — the bridge payment you receive before age 62 that approximates your Social Security benefit.
TSP Projection Calculator
Project your Thrift Savings Plan balance from today's balances and your Traditional and Roth contributions, with the agency match, catch-up rules, and below-average to above-average outcomes from real TSP history.
FERS Basic Annuity Calculator
Calculate your full FERS basic annuity including survivor benefit options and the impact of retiring before or after age 62.
Retirement Financials Calculator
Bring your FERS annuity, TSP, Social Security and other retirement income together into one picture of your finances in retirement.
Latest Articles
Clear, unbiased financial writing — no ads, no sponsored content.