Free calculators for federal employees

Plain-English estimates for FERS employees. No login, no tracking pixels, and nothing you type leaves your browser.

When Can I Retire? (FERS)

Compare leaving now, retiring at your MRA, 60 or 62, and retiring then working elsewhere: MRA+10, the supplement earnings test, FEHB, and LEO/firefighter rules.

FERS Pension Calculator

Estimate your basic annuity from your High-3 and service, including the 1.1% rule at 62 with 20 years and the MRA+10 reduction.

TSP Growth Calculator

Project your TSP balance with the 1% automatic contribution, the up-to-4% match, and 2026 IRS limits.

Roth vs Traditional TSP

Compare after-tax outcomes using today's tax rate and your expected rate in retirement.

Educational only, not financial advice. The High Three is an independent publication, not affiliated with or endorsed by OPM, the Federal Retirement Thrift Investment Board, the TSP, the IRS, or any agency. Figures are estimates; your official benefit is determined by your agency and OPM.