FERS Pro: Pension Calculator

Plan your federal retirement with accurate FERS estimates, military buyback analysis, TSP forecasting, and retirement scenario modeling.

The smartest way to plan your federal retirement.

FERS Pro is the modern retirement calculator for federal employees, built by people who know the system — and kept up to date. Get accurate annuity estimates, model a VERA early-out, see every retirement income stream in one chart, and finally learn what military buyback is worth.

--- EVERY INCOME STREAM, ONE FORECAST ---

Your FERS annuity, TSP withdrawals, FERS Supplement, and Social Security — plus spouse Social Security, IRA and 401(k) withdrawals, rental income, dividends, and any other income — combined into one clean 50-year chart. Toggle estimated taxes to see net income, not just gross.

--- FACING A VERA OR RIF? ---

Model a Voluntary Early Retirement in seconds: age 50 with 20 years, or any age with 25. See your immediate annuity with no age penalty and when your FERS Supplement kicks in. Compare deferred vs postponed retirement — they are not the same, and FERS Pro calculates both correctly.

--- WHY FERS PRO ---

• Built right for special categories — Law Enforcement, Air Traffic Controllers, and Firefighters get correct age-50 / MRA-10 / 25-year retirement rules
• Military Buyback Analyzer — see exactly what buying back active-duty time costs and what it earns you back over your lifetime
• Sick Leave Converter — turn unused hours into creditable service (2,087 hrs = 1 year)
• TSP Withdrawal Planner — 4% rule, RMD, custom strategies, and your own rate-of-return assumptions
• FERS Annuity Supplement — finally calculated correctly
• Save & Compare Scenarios — what if I retire 2 years early? What if I take the VERA?
• Live Days-to-Retirement Countdown + Federal Holiday Calendar

--- PRIVACY-FIRST ---

We don't collect your salary, your service dates, or anything else. All calculations happen on your device. No accounts. No tracking.

--- PRO FEATURES ---

Free for your first 3 calculations. Upgrade for unlimited scenarios, military buyback, TSP modeling, income streams, the 50-year chart, and every Pro feature — yearly subscription or one-time lifetime purchase.

--- DISCLAIMER ---

FERS Pro provides estimates only (including tax estimates) and is not affiliated with OPM, TSP.gov, or the U.S. government. For official figures, contact your agency HR.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/